| Metric | F & C Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.8% | +4.4% | +7.5 pts |
| Deposit growth (YoY) | +10.6% | +4.0% | +6.7 pts |
| Loan growth (YoY) | +15.8% | +5.6% | +10.2 pts |
| ROA | 2.34% | 1.24% | +1.1 pts |
| ROE | 22.0% | 11.9% | +10.1 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $481.0M | $420.7M | $428.0M | $52.4M | $5.5M | 2.34% | 5.51% | 0.34% |
| Q1 2026 | $473.0M | $416.6M | $409.0M | $50.3M | $2.7M | 2.33% | 5.46% | 0.23% |
| Q4 2025 | $467.3M | $408.1M | $402.2M | $48.4M | $9.7M | 2.24% | 5.31% | 0.19% |
| Q3 2025 | $438.3M | $385.6M | $380.9M | $47.1M | $7.0M | 2.17% | 5.25% | 0.10% |
| Q2 2025 | $430.1M | $380.3M | $369.6M | $44.5M | $4.5M | 2.12% | 5.17% | 0.16% |
| Q1 2025 | $423.4M | $371.6M | $363.0M | $44.0M | $2.2M | 2.09% | 5.00% | 0.13% |
| Q4 2024 | $417.6M | $365.2M | $354.3M | $41.6M | $9.2M | 2.36% | 4.96% | 0.24% |
| Q3 2024 | $401.5M | $331.9M | $340.3M | $40.0M | $7.1M | 2.47% | 4.95% | 0.61% |
Loan mix (Q2 2026): real estate $356.4M · commercial $16.9M · consumer $6.7M · securities $22.2M
| Ratio | F & C Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.34% | 1.24% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 22.0% | 11.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.51% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.6% | 62.9% | 8th |
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 | F & C 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 | F & C 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 | F & C 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 | F & C 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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