| Metric | First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +4.9% | -3.6 pts |
| Deposit growth (YoY) | +0.5% | +4.3% | -3.9 pts |
| Loan growth (YoY) | +5.5% | +5.3% | +0.1 pts |
| ROA | 1.48% | 1.28% | +0.2 pts |
| ROE | 15.7% | 12.4% | +3.3 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $810.5M | $727.3M | $493.3M | $77.5M | $6.0M | 1.48% | 4.33% | 0.19% |
| Q1 2026 | $822.6M | $740.8M | $474.8M | $75.8M | $3.0M | 1.44% | 4.25% | 0.02% |
| Q4 2025 | $815.5M | $733.4M | $477.4M | $77.4M | $11.6M | 1.46% | 4.14% | 0.03% |
| Q3 2025 | $787.1M | $706.1M | $459.9M | $75.1M | $8.6M | 1.46% | 4.12% | 0.01% |
| Q2 2025 | $799.9M | $724.0M | $467.7M | $70.6M | $5.5M | 1.41% | 4.06% | 0.00% |
| Q1 2025 | $813.5M | $739.9M | $438.9M | $68.1M | $2.5M | 1.29% | 3.89% | 0.00% |
| Q4 2024 | $739.5M | $670.0M | $437.9M | $65.1M | $9.2M | 1.28% | 3.82% | 0.00% |
| Q3 2024 | $729.0M | $657.4M | $419.6M | $66.3M | $6.9M | 1.27% | 3.77% | 0.06% |
Loan mix (Q2 2026): real estate $433.0M · commercial $22.2M · consumer $7.0M · securities $214.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 1.28% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 12.4% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.33% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.0% | 61.2% | 35th |
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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