| Metric | First Bank Midwest | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +5.5% | — |
| Deposit growth (YoY) | — | +5.1% | — |
| Loan growth (YoY) | — | +5.9% | — |
| ROA | 0.72% | 1.26% | -0.5 pts |
| ROE | 8.1% | 12.2% | -4.1 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.55B | $1.15B | $1.21B | $136.4M | $5.5M | 0.72% | 3.19% | 1.41% |
| Q1 2026 | $1.51B | $1.11B | $1.17B | $134.1M | $2.9M | 0.77% | 3.13% | 1.17% |
| Q4 2025 | $1.52B | $1.12B | $1.18B | $136.1M | $12.6M | 0.83% | 3.00% | 1.15% |
| Q3 2025 | $1.52B | $1.12B | $1.18B | $130.2M | $8.7M | 0.77% | 2.95% | 0.71% |
| Q2 2025 | $1.50B | $1.10B | $1.17B | $123.3M | $5.1M | 0.67% | 2.89% | 0.54% |
| Q1 2025 | $1.52B | $1.11B | $1.18B | $121.3M | $2.2M | 0.58% | 2.81% | 0.46% |
| Q4 2024 | $1.50B | $1.10B | $1.16B | $119.8M | $10.4M | 0.70% | 2.70% | 0.45% |
| Q3 2024 | $1.49B | $1.10B | $1.14B | $125.8M | $7.5M | 0.67% | 2.69% | 0.45% |
Loan mix (Q2 2026): real estate $904.0M · commercial $150.0M · consumer $18.1M · securities $247.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Bank Midwest | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 1.26% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 12.2% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.1% | 59.0% | 77th |
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 Midwest | 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 Midwest | 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 Midwest | 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 Midwest | 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.