| Metric | FCNB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.4% | +2.4 pts |
| Deposit growth (YoY) | +6.9% | +4.0% | +3.0 pts |
| Loan growth (YoY) | +16.1% | +5.6% | +10.5 pts |
| ROA | 0.68% | 1.24% | -0.6 pts |
| ROE | 13.7% | 11.9% | +1.8 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $220.4M | $196.0M | $140.4M | $11.0M | $726K | 0.68% | 3.78% | 0.02% |
| Q1 2026 | $216.3M | $192.3M | $133.9M | $10.4M | $300K | 0.57% | 3.69% | 0.02% |
| Q4 2025 | $208.5M | $184.5M | $128.2M | $10.5M | $948K | 0.46% | 3.61% | 0.03% |
| Q3 2025 | $211.2M | $185.7M | $123.9M | $9.9M | $720K | 0.47% | 3.57% | 0.02% |
| Q2 2025 | $206.4M | $183.4M | $120.9M | $7.6M | $555K | 0.55% | 3.51% | 0.07% |
| Q1 2025 | $203.0M | $180.4M | $119.0M | $7.1M | $301K | 0.61% | 3.39% | 0.00% |
| Q4 2024 | $192.3M | $164.8M | $114.1M | $5.8M | $368K | 0.19% | 3.32% | 0.00% |
| Q3 2024 | $197.0M | $165.0M | $110.5M | $7.6M | $273K | 0.18% | 3.28% | 0.73% |
Loan mix (Q2 2026): real estate $111.9M · commercial $20.1M · consumer $5.5M · securities $50.3M
| Ratio | FCNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 1.24% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 11.9% | 61th | |
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 | 81.7% | 62.9% | 87th |
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 | FCNB 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 | FCNB 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 | FCNB 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 | FCNB 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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