| Metric | First Bank of Pike | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +3.0% | +1.6 pts |
| Deposit growth (YoY) | +3.7% | +2.5% | +1.3 pts |
| Loan growth (YoY) | +2.2% | +2.6% | -0.4 pts |
| ROA | 1.30% | 0.99% | +0.3 pts |
| ROE | 13.9% | 8.1% | +5.9 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $87.5M | $77.8M | $53.9M | $8.5M | $570K | 1.30% | 5.67% | 0.49% |
| Q1 2026 | $89.9M | $80.6M | $54.1M | $8.2M | $282K | 1.28% | 5.62% | 0.65% |
| Q4 2025 | $85.9M | $76.8M | $53.7M | $7.9M | $898K | 1.10% | 5.94% | 0.78% |
| Q3 2025 | $86.4M | $77.4M | $52.8M | $7.8M | $709K | 1.17% | 5.91% | 0.76% |
| Q2 2025 | $83.6M | $75.0M | $52.7M | $7.5M | $460K | 1.17% | 6.02% | 0.76% |
| Q1 2025 | $79.0M | $70.9M | $52.1M | $7.1M | $186K | 0.97% | 6.05% | 0.81% |
| Q4 2024 | $74.1M | $66.3M | $47.4M | $6.8M | $736K | 0.99% | 5.95% | 0.88% |
| Q3 2024 | $75.4M | $67.3M | $49.7M | $7.0M | $570K | 1.02% | 5.91% | 0.80% |
Loan mix (Q2 2026): real estate $44.1M · commercial $4.0M · consumer $6.7M · securities $10.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Bank of Pike | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 0.99% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 8.1% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.67% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.6% | 70.8% | 56th |
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 Pike | 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 Pike | 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 Pike | 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 Pike | 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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