| Metric | Family Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.4% | +1.1 pts |
| Deposit growth (YoY) | +4.6% | +4.0% | +0.6 pts |
| Loan growth (YoY) | +10.6% | +5.6% | +5.1 pts |
| ROA | 1.38% | 1.24% | +0.1 pts |
| ROE | 9.8% | 11.9% | -2.0 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $162.0M | $138.3M | $140.0M | $22.8M | $1.1M | 1.38% | 5.20% | 1.95% |
| Q1 2026 | $159.3M | $135.9M | $137.2M | $22.3M | $645K | 1.64% | 5.31% | 1.75% |
| Q4 2025 | $155.4M | $132.8M | $133.6M | $21.7M | $2.1M | 1.38% | 5.18% | 1.19% |
| Q3 2025 | $152.6M | $130.5M | $130.7M | $21.1M | $1.5M | 1.36% | 5.10% | 1.23% |
| Q2 2025 | $153.7M | $132.3M | $126.5M | $20.6M | $1.1M | 1.40% | 5.01% | 1.27% |
| Q1 2025 | $149.9M | $129.2M | $119.8M | $20.1M | $521K | 1.40% | 4.81% | 1.40% |
| Q4 2024 | $148.1M | $127.7M | $119.2M | $19.5M | $1.8M | 1.20% | 4.48% | 0.97% |
| Q3 2024 | $152.7M | $127.9M | $117.5M | $19.0M | $1.3M | 1.13% | 4.38% | 0.96% |
Loan mix (Q2 2026): real estate $119.1M · commercial $11.4M · consumer $11.3M · securities $278K
| Ratio | Family Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 1.24% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 11.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.20% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.0% | 62.9% | 42th |
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 | Family 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 | Family 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 | Family 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 | Family 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.