| Metric | First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +4.9% | -1.8 pts |
| Deposit growth (YoY) | +2.2% | +4.3% | -2.1 pts |
| Loan growth (YoY) | +3.5% | +5.3% | -1.9 pts |
| ROA | 1.22% | 1.28% | -0.1 pts |
| ROE | 15.1% | 12.4% | +2.6 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $889.9M | $816.2M | $240.4M | $71.5M | $5.3M | 1.22% | 3.41% | 0.01% |
| Q1 2026 | $857.3M | $786.4M | $236.9M | $69.0M | $2.2M | 1.02% | 3.35% | 0.00% |
| Q4 2025 | $882.0M | $807.5M | $231.1M | $72.2M | $10.7M | 1.24% | 3.32% | 0.01% |
| Q3 2025 | $907.0M | $838.0M | $230.4M | $66.7M | $7.8M | 1.20% | 3.25% | 0.00% |
| Q2 2025 | $862.8M | $798.8M | $232.4M | $61.4M | $4.8M | 1.13% | 3.27% | 0.00% |
| Q1 2025 | $832.5M | $772.4M | $234.4M | $57.7M | $2.2M | 1.07% | 3.23% | 0.00% |
| Q4 2024 | $847.8M | $791.7M | $221.5M | $53.9M | $9.2M | 1.10% | 3.15% | 0.08% |
| Q3 2024 | $885.9M | $824.3M | $221.6M | $59.0M | $6.5M | 1.03% | 3.05% | 0.08% |
Loan mix (Q2 2026): real estate $189.1M · commercial $25.6M · consumer $13.2M · securities $484.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 1.28% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 12.4% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 61.2% | 74th |
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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