| Metric | First Bank Blue Earth | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.4% | +1.1 pts |
| Deposit growth (YoY) | +6.3% | +4.0% | +2.4 pts |
| Loan growth (YoY) | +0.8% | +5.6% | -4.8 pts |
| ROA | 0.48% | 1.24% | -0.8 pts |
| ROE | 6.7% | 11.9% | -5.2 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $322.7M | $283.2M | $209.6M | $23.8M | $775K | 0.48% | 2.53% | 0.25% |
| Q1 2026 | $321.2M | $281.8M | $199.8M | $22.9M | $51K | 0.06% | 2.34% | 0.67% |
| Q4 2025 | $322.3M | $280.9M | $211.1M | $23.1M | $2.4M | 0.76% | 2.52% | 0.16% |
| Q3 2025 | $305.6M | $263.1M | $210.8M | $22.1M | $1.5M | 0.66% | 2.54% | 0.18% |
| Q2 2025 | $305.9M | $266.2M | $207.9M | $21.0M | $612K | 0.40% | 2.38% | 0.21% |
| Q1 2025 | $303.4M | $262.7M | $203.6M | $19.9M | $392K | 0.51% | 2.25% | 0.20% |
| Q4 2024 | $311.0M | $271.2M | $201.0M | $19.0M | $1.7M | 0.56% | 2.27% | 0.23% |
| Q3 2024 | $305.5M | $262.3M | $196.3M | $19.2M | $1.4M | 0.60% | 2.27% | 0.23% |
Loan mix (Q2 2026): real estate $137.2M · commercial $16.9M · consumer $4.3M · securities $89.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Bank Blue Earth | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 1.24% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 11.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.53% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.7% | 62.9% | 67th |
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 Bank Blue Earth | 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 Bank Blue Earth | 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 Bank Blue Earth | 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 Bank Blue Earth | 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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