| Metric | First American Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +5.5% | -3.2 pts |
| Deposit growth (YoY) | +1.1% | +5.1% | -4.0 pts |
| Loan growth (YoY) | +6.2% | +5.9% | +0.3 pts |
| ROA | 2.89% | 1.26% | +1.6 pts |
| ROE | 28.4% | 12.2% | +16.3 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.91B | $1.63B | $1.15B | $191.0M | $27.4M | 2.89% | 4.95% | 0.33% |
| Q1 2026 | $1.93B | $1.66B | $1.12B | $190.6M | $14.0M | 2.97% | 4.95% | 0.31% |
| Q4 2025 | $1.85B | $1.57B | $1.06B | $197.3M | $50.9M | 2.74% | 4.90% | 0.33% |
| Q3 2025 | $1.84B | $1.58B | $1.07B | $181.5M | $37.4M | 2.69% | 4.86% | 0.51% |
| Q2 2025 | $1.87B | $1.62B | $1.08B | $157.3M | $24.1M | 2.59% | 4.81% | 0.52% |
| Q1 2025 | $1.95B | $1.71B | $1.04B | $148.5M | $12.0M | 2.57% | 4.61% | 0.53% |
| Q4 2024 | $1.77B | $1.54B | $1.00B | $143.7M | $44.2M | 2.47% | 4.83% | 0.46% |
| Q3 2024 | $1.78B | $1.51B | $979.9M | $152.6M | $33.6M | 2.49% | 4.79% | 0.63% |
Loan mix (Q2 2026): real estate $986.5M · commercial $166.3M · consumer $2.9M · securities $564.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First American Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.89% | 1.26% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 28.4% | 12.2% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.95% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.2% | 59.0% | 8th |
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 | First American 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 | First American 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 | First American 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 | First American 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.