| Metric | FCB Banks | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +5.5% | -3.9 pts |
| Deposit growth (YoY) | +5.5% | +5.1% | +0.5 pts |
| Loan growth (YoY) | +5.6% | +5.9% | -0.3 pts |
| ROA | 1.79% | 1.26% | +0.5 pts |
| ROE | 22.0% | 12.2% | +9.8 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.64B | $2.27B | $2.03B | $214.8M | $23.4M | 1.79% | 3.31% | 0.59% |
| Q1 2026 | $2.61B | $2.23B | $2.02B | $213.5M | $11.3M | 1.74% | 3.27% | 0.63% |
| Q4 2025 | $2.60B | $2.21B | $1.99B | $211.3M | $41.3M | 1.62% | 3.13% | 0.36% |
| Q3 2025 | $2.61B | $2.24B | $1.92B | $206.8M | $30.1M | 1.58% | 3.03% | 0.30% |
| Q2 2025 | $2.60B | $2.15B | $1.92B | $200.7M | $18.8M | 1.49% | 2.92% | 0.31% |
| Q1 2025 | $2.51B | $2.08B | $1.91B | $198.8M | $8.9M | 1.43% | 2.82% | 0.33% |
| Q4 2024 | $2.44B | $1.99B | $1.88B | $190.0M | $26.9M | 1.15% | 2.63% | 0.26% |
| Q3 2024 | $2.41B | $1.97B | $1.87B | $191.2M | $19.1M | 1.10% | 2.57% | 0.37% |
Loan mix (Q2 2026): real estate $1.89B · commercial $68.5M · consumer $72.2M · securities $458.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | FCB Banks | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 1.26% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 22.0% | 12.2% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.0% | 59.0% | 25th |
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 | FCB Banks | 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 | FCB Banks | 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 | FCB Banks | 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 | FCB Banks | 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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