| Metric | First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +4.9% | -1.0 pts |
| Deposit growth (YoY) | +7.5% | +4.3% | +3.1 pts |
| Loan growth (YoY) | -1.9% | +5.3% | -7.3 pts |
| ROA | 1.89% | 1.28% | +0.6 pts |
| ROE | 13.7% | 12.4% | +1.2 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $703.6M | $603.4M | $570.2M | $96.6M | $6.5M | 1.89% | 4.91% | 0.91% |
| Q1 2026 | $689.4M | $591.4M | $549.2M | $95.0M | $3.0M | 1.74% | 4.74% | 1.27% |
| Q4 2025 | $677.3M | $578.4M | $556.0M | $94.9M | $11.4M | 1.69% | 5.02% | 0.98% |
| Q3 2025 | $692.2M | $579.9M | $573.5M | $92.9M | $9.5M | 1.88% | 5.01% | 0.84% |
| Q2 2025 | $677.4M | $561.6M | $581.5M | $92.1M | $6.0M | 1.80% | 4.96% | 1.02% |
| Q1 2025 | $659.8M | $545.7M | $552.7M | $90.7M | $2.5M | 1.53% | 4.89% | 1.09% |
| Q4 2024 | $658.3M | $543.2M | $572.1M | $90.8M | $12.1M | 1.87% | 5.05% | 1.14% |
| Q3 2024 | $645.9M | $554.4M | $544.6M | $87.2M | $8.5M | 1.77% | 5.01% | 1.29% |
Loan mix (Q2 2026): real estate $520.7M · commercial $55.6M · consumer $2.6M · securities $6.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.89% | 1.28% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 12.4% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.91% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.0% | 61.2% | 69th |
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 | 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 | 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 | 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 | 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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