| Metric | Fannin Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.4% | +3.1 pts |
| Deposit growth (YoY) | +5.5% | +4.0% | +1.6 pts |
| Loan growth (YoY) | +2.8% | +5.6% | -2.8 pts |
| ROA | 1.46% | 1.24% | +0.2 pts |
| ROE | 22.2% | 11.9% | +10.3 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $159.1M | $147.1M | $81.3M | $10.4M | $1.1M | 1.46% | 3.78% | 0.54% |
| Q1 2026 | $153.0M | $140.9M | $81.0M | $10.6M | $768K | 2.04% | 3.81% | 0.06% |
| Q4 2025 | $148.4M | $137.7M | $77.1M | $9.3M | $1.5M | 0.99% | 3.55% | 0.08% |
| Q3 2025 | $150.3M | $139.4M | $78.9M | $8.9M | $1.1M | 1.00% | 3.54% | 0.05% |
| Q2 2025 | $148.1M | $139.4M | $79.1M | $7.0M | $695K | 0.96% | 3.48% | 0.16% |
| Q1 2025 | $145.5M | $137.2M | $79.3M | $6.8M | $321K | 0.90% | 3.35% | 0.14% |
| Q4 2024 | $140.6M | $133.6M | $79.9M | $5.7M | $1.1M | 0.75% | 3.24% | 0.16% |
| Q3 2024 | $142.5M | $133.4M | $81.4M | $7.3M | $797K | 0.75% | 3.17% | 0.16% |
Loan mix (Q2 2026): real estate $57.1M · commercial $9.8M · consumer $2.6M · securities $62.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Fannin Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 1.24% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 22.2% | 11.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.6% | 62.9% | 70th |
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 | Fannin 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 | Fannin 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 | Fannin 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 | Fannin 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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