| Metric | First Bank of Boaz | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +4.4% | -5.0 pts |
| Deposit growth (YoY) | +1.1% | +4.0% | -2.8 pts |
| Loan growth (YoY) | +8.2% | +5.6% | +2.6 pts |
| ROA | 0.85% | 1.24% | -0.4 pts |
| ROE | 7.0% | 11.9% | -4.8 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $239.8M | $208.0M | $69.1M | $29.0M | $1.0M | 0.85% | 2.67% | 0.01% |
| Q1 2026 | $237.2M | $204.1M | $68.0M | $28.1M | $449K | 0.76% | 2.60% | 0.01% |
| Q4 2025 | $238.2M | $203.9M | $68.2M | $29.6M | $2.3M | 0.94% | 2.71% | 0.00% |
| Q3 2025 | $246.9M | $212.5M | $64.7M | $28.4M | $1.7M | 0.94% | 2.71% | 0.00% |
| Q2 2025 | $241.3M | $205.6M | $63.9M | $24.8M | $1.0M | 0.84% | 2.71% | 0.02% |
| Q1 2025 | $251.8M | $205.1M | $63.1M | $25.6M | $424K | 0.69% | 2.63% | 0.02% |
| Q4 2024 | $240.1M | $195.6M | $63.6M | $23.7M | $2.3M | 0.93% | 2.50% | 0.14% |
| Q3 2024 | $248.2M | $196.9M | $64.6M | $30.1M | $1.7M | 0.90% | 2.46% | 0.15% |
Loan mix (Q2 2026): real estate $51.4M · commercial $9.5M · consumer $4.7M · securities $149.5M
| Ratio | First Bank of Boaz | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 1.24% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 11.9% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.67% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.1% | 62.9% | 48th |
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 of Boaz | 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 of Boaz | 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 of Boaz | 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 of Boaz | 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 of Boaz | 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.
Spends 1.5× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
1 branches in 1 county across 1 state (+0 vs 2025) · $208.0M branch deposits. Biggest market: Marshall, AL, ranked 7th with 6.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marshall, AL | 1 | $208.0M | 6.07% | 7th |
Alabama: 106th with 0.12% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1