| Metric | CoreFirst Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +5.5% | -4.8 pts |
| Deposit growth (YoY) | +2.9% | +5.1% | -2.1 pts |
| Loan growth (YoY) | +6.2% | +5.9% | +0.3 pts |
| ROA | 1.55% | 1.26% | +0.3 pts |
| ROE | 26.4% | 12.2% | +14.3 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.26B | $1.06B | $881.7M | $76.7M | $10.0M | 1.55% | 3.81% | 0.15% |
| Q1 2026 | $1.32B | $1.09B | $879.9M | $75.5M | $4.8M | 1.46% | 3.66% | 0.15% |
| Q4 2025 | $1.29B | $1.05B | $860.5M | $74.2M | $16.4M | 1.30% | 3.53% | 0.30% |
| Q3 2025 | $1.30B | $1.02B | $842.4M | $76.0M | $12.0M | 1.28% | 3.43% | 0.19% |
| Q2 2025 | $1.25B | $1.03B | $830.1M | $66.7M | $6.2M | 1.01% | 3.41% | 0.21% |
| Q1 2025 | $1.22B | $1.05B | $803.5M | $66.1M | $3.0M | 0.96% | 3.42% | 0.24% |
| Q4 2024 | $1.24B | $1.03B | $819.2M | $63.2M | $9.6M | 0.76% | 3.06% | 0.28% |
| Q3 2024 | $1.29B | $1.02B | $796.5M | $73.0M | $7.5M | 0.79% | 2.97% | 0.43% |
Loan mix (Q2 2026): real estate $701.5M · commercial $158.4M · consumer $22.7M · securities $277.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | CoreFirst Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 1.26% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 26.4% | 12.2% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.3% | 59.0% | 67th |
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 | CoreFirst Bank & Trust | 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 | CoreFirst Bank & Trust | 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 | CoreFirst Bank & Trust | 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 | CoreFirst Bank & Trust | 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.