| Metric | 1st National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.4% | +4.4% | -11.7 pts |
| Deposit growth (YoY) | -5.0% | +4.0% | -8.9 pts |
| Loan growth (YoY) | -11.0% | +5.6% | -16.6 pts |
| ROA | 0.57% | 1.24% | -0.7 pts |
| ROE | 6.5% | 11.9% | -5.4 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $247.2M | $214.3M | $169.4M | $23.0M | $732K | 0.57% | 3.30% | 0.51% |
| Q1 2026 | $253.4M | $221.3M | $174.0M | $22.2M | $75K | 0.12% | 3.10% | 0.36% |
| Q4 2025 | $265.4M | $232.6M | $182.7M | $22.9M | $1.8M | 0.65% | 2.97% | 0.42% |
| Q3 2025 | $258.8M | $226.9M | $186.5M | $22.2M | $1.3M | 0.65% | 2.89% | 0.26% |
| Q2 2025 | $266.9M | $225.4M | $190.4M | $21.4M | $842K | 0.61% | 2.85% | 0.27% |
| Q1 2025 | $276.5M | $235.1M | $200.3M | $20.7M | $129K | 0.18% | 2.66% | 0.25% |
| Q4 2024 | $281.7M | $250.7M | $205.0M | $20.9M | $1.1M | 0.40% | 2.40% | 0.18% |
| Q3 2024 | $293.2M | $256.8M | $210.4M | $21.3M | $1.3M | 0.59% | 2.32% | 0.14% |
Loan mix (Q2 2026): real estate $165.0M · commercial $4.8M · consumer $1.7M · securities $27.6M
| Ratio | 1st National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 1.24% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 11.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.7% | 62.9% | 92th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | 1st National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | 1st National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | 1st National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | 1st National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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