| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +4.4% | -5.9 pts |
| Deposit growth (YoY) | -3.0% | +4.0% | -7.0 pts |
| Loan growth (YoY) | +6.3% | +5.6% | +0.7 pts |
| ROA | 1.42% | 1.24% | +0.2 pts |
| ROE | 15.0% | 11.9% | +3.1 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $265.9M | $239.3M | $150.0M | $25.8M | $1.9M | 1.42% | 3.53% | 0.00% |
| Q1 2026 | $263.3M | $237.5M | $142.5M | $24.9M | $693K | 1.06% | 3.23% | 0.00% |
| Q4 2025 | $260.6M | $235.5M | $142.4M | $24.4M | $2.5M | 0.96% | 3.05% | 0.01% |
| Q3 2025 | $276.9M | $252.6M | $143.8M | $23.5M | $1.8M | 0.88% | 2.97% | 0.01% |
| Q2 2025 | $270.1M | $246.8M | $141.1M | $22.6M | $1.1M | 0.82% | 2.95% | 0.02% |
| Q1 2025 | $257.4M | $234.9M | $144.6M | $21.9M | $487K | 0.75% | 2.90% | 0.01% |
| Q4 2024 | $261.0M | $239.4M | $144.5M | $20.9M | $1.4M | 0.55% | 2.67% | 0.01% |
| Q3 2024 | $268.3M | $247.0M | $144.3M | $20.6M | $936K | 0.50% | 2.62% | 0.12% |
Loan mix (Q2 2026): real estate $137.6M · commercial $7.9M · consumer $1.9M · securities $78.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Bank of Manhattan | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.24% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 11.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.0% | 62.9% | 47th |
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 Manhattan | 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 Manhattan | 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 Manhattan | 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 Manhattan | 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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