| Metric | 1st Trust Bank, Inc. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +4.4% | +3.8 pts |
| Deposit growth (YoY) | +4.1% | +4.0% | +0.1 pts |
| Loan growth (YoY) | +15.6% | +5.6% | +10.0 pts |
| ROA | 0.75% | 1.24% | -0.5 pts |
| ROE | 8.6% | 11.9% | -3.3 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $351.7M | $309.2M | $295.4M | $30.8M | $1.3M | 0.75% | 3.43% | 0.14% |
| Q1 2026 | $345.9M | $302.0M | $276.5M | $29.9M | $548K | 0.65% | 3.34% | 0.78% |
| Q4 2025 | $332.1M | $301.9M | $261.2M | $29.5M | $2.1M | 0.66% | 3.15% | 0.12% |
| Q3 2025 | $321.0M | $291.7M | $257.3M | $28.4M | $1.4M | 0.59% | 3.07% | 0.13% |
| Q2 2025 | $325.3M | $297.1M | $255.5M | $27.3M | $821K | 0.51% | 2.99% | 0.86% |
| Q1 2025 | $319.3M | $291.5M | $250.1M | $27.0M | $331K | 0.42% | 2.88% | 0.18% |
| Q4 2024 | $312.1M | $285.2M | $242.8M | $26.4M | $940K | 0.32% | 2.74% | 0.31% |
| Q3 2024 | $314.4M | $271.8M | $239.7M | $26.7M | $594K | 0.27% | 2.70% | 0.32% |
Loan mix (Q2 2026): real estate $248.5M · commercial $37.7M · consumer $9.4M · securities $24.0M
| Ratio | 1st Trust Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 1.24% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 11.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.2% | 62.9% | 64th |
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 Trust Bank, Inc. | 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 Trust Bank, Inc. | 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 Trust Bank, Inc. | 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 Trust Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.