| Metric | BankFirst | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +5.5% | -0.5 pts |
| Deposit growth (YoY) | +11.4% | +5.1% | +6.4 pts |
| Loan growth (YoY) | +1.7% | +5.9% | -4.2 pts |
| ROA | 1.92% | 1.26% | +0.7 pts |
| ROE | 12.2% | 12.2% | +0.0 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.21B | $804.7M | $719.0M | $195.6M | $11.6M | 1.92% | 4.25% | 0.52% |
| Q1 2026 | $1.20B | $750.3M | $717.0M | $189.8M | $5.8M | 1.93% | 4.28% | 0.42% |
| Q4 2025 | $1.20B | $739.2M | $727.8M | $184.8M | $23.7M | 2.05% | 4.21% | 0.87% |
| Q3 2025 | $1.19B | $749.4M | $709.0M | $178.1M | $16.1M | 1.87% | 4.11% | 1.38% |
| Q2 2025 | $1.15B | $722.3M | $706.8M | $179.6M | $10.3M | 1.82% | 4.05% | 1.52% |
| Q1 2025 | $1.10B | $733.2M | $710.6M | $174.8M | $5.1M | 1.82% | 4.03% | 1.70% |
| Q4 2024 | $1.13B | $714.7M | $718.8M | $172.9M | $22.7M | 2.07% | 4.24% | 1.46% |
| Q3 2024 | $1.14B | $719.1M | $705.4M | $166.3M | $16.6M | 2.03% | 4.22% | 0.12% |
Loan mix (Q2 2026): real estate $513.0M · commercial $60.6M · consumer $3.7M · securities $417.5M
| Ratio | BankFirst | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.92% | 1.26% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 12.2% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.3% | 59.0% | 5th |
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 | BankFirst | 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 | BankFirst | 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 | BankFirst | 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 | BankFirst | 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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