| Metric | Falcon National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +4.9% | -7.4 pts |
| Deposit growth (YoY) | -2.6% | +4.3% | -6.9 pts |
| Loan growth (YoY) | -2.6% | +5.3% | -7.9 pts |
| ROA | 1.20% | 1.28% | -0.1 pts |
| ROE | 11.8% | 12.4% | -0.6 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $872.3M | $768.7M | $731.7M | $92.5M | $5.3M | 1.20% | 4.56% | 0.89% |
| Q1 2026 | $885.7M | $785.6M | $737.1M | $89.6M | $2.3M | 1.01% | 4.42% | 1.22% |
| Q4 2025 | $920.9M | $820.5M | $741.7M | $89.3M | $8.2M | 0.88% | 4.25% | 1.21% |
| Q3 2025 | $923.7M | $814.9M | $746.9M | $87.3M | $6.2M | 0.90% | 4.23% | 1.04% |
| Q2 2025 | $894.6M | $789.0M | $751.1M | $85.3M | $4.0M | 0.86% | 4.16% | 0.68% |
| Q1 2025 | $923.5M | $829.5M | $758.2M | $82.9M | $1.8M | 0.76% | 3.92% | 0.80% |
| Q4 2024 | $979.0M | $887.6M | $768.2M | $80.9M | $4.5M | 0.50% | 3.51% | 0.88% |
| Q3 2024 | $895.4M | $802.3M | $765.8M | $81.4M | $3.0M | 0.44% | 3.49% | 1.05% |
Loan mix (Q2 2026): real estate $432.6M · commercial $257.2M · consumer $1.8M · securities $76.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Falcon National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 1.28% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 12.4% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.56% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
86th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.0% | 61.2% | 49th |
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 | Falcon 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 | Falcon 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 | Falcon 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 | Falcon National Bank | 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.