| Metric | Federation Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +4.4% | +0.3 pts |
| Deposit growth (YoY) | +3.6% | +4.0% | -0.3 pts |
| Loan growth (YoY) | +10.9% | +5.6% | +5.3 pts |
| ROA | 1.79% | 1.24% | +0.5 pts |
| ROE | 18.8% | 11.9% | +6.9 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $155.8M | $133.8M | $81.7M | $14.6M | $1.4M | 1.79% | 4.31% | 0.11% |
| Q1 2026 | $151.2M | $132.0M | $80.1M | $14.6M | $798K | 2.09% | 4.71% | 0.21% |
| Q4 2025 | $153.7M | $131.8M | $80.4M | $14.5M | $1.7M | 1.11% | 3.80% | 0.15% |
| Q3 2025 | $148.4M | $128.4M | $76.9M | $13.8M | $1.2M | 1.06% | 3.74% | 0.50% |
| Q2 2025 | $149.0M | $129.2M | $73.7M | $12.2M | $734K | 0.98% | 3.67% | 0.79% |
| Q1 2025 | $153.3M | $135.6M | $74.9M | $12.1M | $313K | 0.84% | 3.58% | 0.43% |
| Q4 2024 | $145.5M | $127.1M | $72.3M | $11.2M | $1.2M | 0.81% | 3.54% | 0.51% |
| Q3 2024 | $155.1M | $134.8M | $69.1M | $12.8M | $987K | 0.89% | 3.47% | 0.62% |
Loan mix (Q2 2026): real estate $55.6M · commercial $13.5M · consumer $4.5M · securities $51.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Federation Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 1.24% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 18.8% | 11.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.7% | 62.9% | 38th |
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 | Federation 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 | Federation 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 | Federation 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 | Federation 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.