| Metric | First American Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.1% | +3.0% | -9.1 pts |
| Deposit growth (YoY) | -7.5% | +2.5% | -10.0 pts |
| Loan growth (YoY) | -8.3% | +2.6% | -10.9 pts |
| ROA | 1.57% | 0.99% | +0.6 pts |
| ROE | 12.1% | 8.1% | +4.0 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $34.3M | $29.5M | $21.2M | $4.6M | $276K | 1.57% | 5.12% | 0.48% |
| Q1 2026 | $36.1M | $31.4M | $22.1M | $4.6M | $112K | 1.26% | 4.86% | 0.74% |
| Q4 2025 | $34.8M | $30.1M | $21.9M | $4.5M | $480K | 1.35% | 5.06% | 0.83% |
| Q3 2025 | $35.2M | $30.6M | $21.5M | $4.5M | $356K | 1.33% | 5.05% | 1.01% |
| Q2 2025 | $36.5M | $31.9M | $23.1M | $4.5M | $248K | 1.39% | 5.06% | 1.09% |
| Q1 2025 | $37.2M | $32.7M | $23.8M | $4.5M | $108K | 1.22% | 4.94% | 1.34% |
| Q4 2024 | $33.5M | $28.9M | $24.3M | $4.5M | $580K | 1.67% | 5.44% | 0.25% |
| Q3 2024 | $34.7M | $30.2M | $24.4M | $4.5M | $473K | 1.80% | 5.38% | 0.54% |
Loan mix (Q2 2026): real estate $10.9M · commercial $5.4M · consumer $1.9M · securities $5.9M
| Ratio | First American Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 0.99% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 8.1% | 72nd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.2% | 70.8% | 46th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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.
1 branches in 1 county across 1 state (+0 vs 2025) · $29.5M branch deposits. Biggest market: Pontotoc, OK, ranked 9th with 1.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pontotoc, OK | 1 | $29.5M | 1.37% | 9th |
Oklahoma: 222nd with 0.02% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (36 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).