| Metric | First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +4.4% | -1.3 pts |
| Deposit growth (YoY) | +2.3% | +4.0% | -1.7 pts |
| Loan growth (YoY) | +11.4% | +5.6% | +5.8 pts |
| ROA | 2.88% | 1.24% | +1.6 pts |
| ROE | 19.9% | 11.9% | +8.1 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 | $118.0M | $100.1M | $64.7M | $16.7M | $1.7M | 2.88% | 5.32% | 0.15% |
| Q1 2026 | $117.3M | $99.9M | $65.2M | $16.4M | $808K | 2.84% | 5.26% | 0.06% |
| Q4 2025 | $110.1M | $92.3M | $61.7M | $16.8M | $3.9M | 3.58% | 5.93% | 0.10% |
| Q3 2025 | $112.1M | $95.2M | $57.9M | $15.9M | $3.0M | 3.68% | 6.05% | 0.07% |
| Q2 2025 | $114.5M | $97.9M | $58.1M | $15.6M | $2.1M | 3.83% | 6.13% | 0.07% |
| Q1 2025 | $112.6M | $96.4M | $59.0M | $15.0M | $967K | 3.61% | 5.99% | 0.05% |
| Q4 2024 | $101.8M | $85.9M | $62.3M | $14.7M | $5.0M | 4.90% | 7.09% | 0.01% |
| Q3 2024 | $102.3M | $86.8M | $62.0M | $14.3M | $3.6M | 4.71% | 7.24% | 0.00% |
Loan mix (Q2 2026): real estate $40.9M · commercial $11.4M · consumer $4.1M · securities $10.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.88% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | 19.9% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 5.32% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.0% |
Peer lists, growth filters, CSV export, CRM push.
| 62.9% |
| — |
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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