| Metric | First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +5.5% | -3.8 pts |
| Deposit growth (YoY) | +4.9% | +5.1% | -0.1 pts |
| Loan growth (YoY) | +1.1% | +5.9% | -4.8 pts |
| ROA | 0.92% | 1.26% | -0.3 pts |
| ROE | 8.3% | 12.2% | -3.9 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.09B | $3.32B | $3.33B | $453.2M | $18.5M | 0.92% | 3.70% | 0.71% |
| Q1 2026 | $3.97B | $3.23B | $3.26B | $449.4M | $7.6M | 0.77% | 3.70% | 0.55% |
| Q4 2025 | $3.96B | $3.20B | $3.25B | $443.5M | $43.7M | 1.11% | 3.79% | 0.36% |
| Q3 2025 | $4.03B | $3.22B | $3.33B | $431.9M | $31.3M | 1.06% | 3.74% | 0.25% |
| Q2 2025 | $4.02B | $3.17B | $3.29B | $422.4M | $19.6M | 1.01% | 3.68% | 0.29% |
| Q1 2025 | $3.88B | $3.12B | $3.20B | $414.9M | $9.4M | 0.98% | 3.64% | 0.30% |
| Q4 2024 | $3.78B | $3.06B | $3.11B | $409.2M | $42.2M | 1.15% | 3.65% | 0.33% |
| Q3 2024 | $3.76B | $3.05B | $3.05B | $402.1M | $31.7M | 1.16% | 3.64% | 0.33% |
Loan mix (Q2 2026): real estate $2.57B · commercial $641.8M · consumer $3.7M · securities $157.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.26% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 12.2% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.9% | 59.0% | 38th |
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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