| Metric | FBT Bank & Mortgage | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.4% | -1.5 pts |
| Deposit growth (YoY) | -0.5% | +4.0% | -4.5 pts |
| Loan growth (YoY) | +5.8% | +5.6% | +0.2 pts |
| ROA | 1.41% | 1.24% | +0.2 pts |
| ROE | 21.3% | 11.9% | +9.4 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $263.6M | $222.1M | $156.0M | $17.4M | $1.8M | 1.41% | 4.41% | 0.44% |
| Q1 2026 | $250.5M | $210.4M | $153.7M | $16.1M | $927K | 1.49% | 4.50% | 0.62% |
| Q4 2025 | $246.8M | $217.7M | $150.4M | $16.7M | $2.0M | 0.78% | 4.12% | 0.59% |
| Q3 2025 | $258.1M | $217.4M | $146.5M | $15.9M | $2.2M | 1.14% | 4.06% | 0.52% |
| Q2 2025 | $256.1M | $223.3M | $147.5M | $13.3M | $1.4M | 1.10% | 3.96% | 0.50% |
| Q1 2025 | $252.9M | $227.3M | $147.6M | $13.0M | $704K | 1.11% | 3.88% | 0.29% |
| Q4 2024 | $253.1M | $222.4M | $146.9M | $12.9M | $1.8M | 0.71% | 3.72% | 0.33% |
| Q3 2024 | $254.6M | $221.9M | $142.7M | $15.0M | $2.1M | 1.13% | 3.69% | 0.38% |
Loan mix (Q2 2026): real estate $110.9M · commercial $31.3M · consumer $11.1M · securities $76.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | FBT Bank & Mortgage | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.24% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 21.3% | 11.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.3% | 62.9% | 71th |
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 | FBT Bank & Mortgage | 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 | FBT Bank & Mortgage | 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 | FBT Bank & Mortgage | 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 | FBT Bank & Mortgage | 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.