| Metric | First Bank Hampton | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +4.4% | -4.7 pts |
| Deposit growth (YoY) | -3.0% | +4.0% | -6.9 pts |
| Loan growth (YoY) | +2.5% | +5.6% | -3.1 pts |
| ROA | 1.63% | 1.24% | +0.4 pts |
| ROE | 14.9% | 11.9% | +3.0 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $240.9M | $208.2M | $197.7M | $27.2M | $2.0M | 1.63% | 4.35% | 0.55% |
| Q1 2026 | $252.6M | $222.5M | $197.9M | $26.9M | $1.2M | 1.91% | 4.34% | 0.77% |
| Q4 2025 | $244.2M | $215.9M | $194.1M | $26.4M | $3.2M | 1.31% | 4.09% | 0.69% |
| Q3 2025 | $247.8M | $219.5M | $197.4M | $26.1M | $2.5M | 1.36% | 4.03% | 0.56% |
| Q2 2025 | $241.8M | $214.6M | $192.9M | $25.6M | $1.9M | 1.54% | 3.98% | 1.39% |
| Q1 2025 | $241.8M | $215.4M | $188.0M | $24.8M | $789K | 1.30% | 3.85% | 0.77% |
| Q4 2024 | $245.4M | $206.3M | $185.2M | $24.3M | $3.3M | 1.38% | 3.62% | 0.10% |
| Q3 2024 | $255.1M | $219.0M | $178.1M | $24.5M | $2.4M | 1.37% | 3.50% | 0.03% |
Loan mix (Q2 2026): real estate $115.7M · commercial $40.2M · consumer $8.6M · securities $27.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Bank Hampton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 1.24% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 14.9% | 11.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.7% | 62.9% | 11th |
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 Hampton | 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 Hampton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | First Bank Hampton | 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 Hampton | 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 Hampton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2024) · $214.6M branch deposits. Biggest market: Franklin, IA, ranked 1st with 47.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Franklin, IA | 2 | $214.6M | 47.73% | 1st |
Iowa: 140th with 0.15% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2