| Metric | First Bank of the Lake | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +24.9% | +5.5% | +19.5 pts |
| Deposit growth (YoY) | +29.9% | +5.1% | +24.8 pts |
| Loan growth (YoY) | +20.6% | +5.9% | +14.6 pts |
| ROA | 0.83% | 1.26% | -0.4 pts |
| ROE | 11.6% | 12.2% | -0.6 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.34B | $2.03B | $2.16B | $170.0M | $9.6M | 0.83% | 3.21% | 3.44% |
| Q1 2026 | $2.33B | $1.98B | $2.16B | $167.6M | $4.0M | 0.69% | 3.39% | 3.55% |
| Q4 2025 | $2.27B | $1.94B | $2.07B | $160.4M | $10.3M | 0.55% | 3.48% | 2.82% |
| Q3 2025 | $2.02B | $1.74B | $1.88B | $155.1M | $6.0M | 0.45% | 3.49% | 3.23% |
| Q2 2025 | $1.87B | $1.56B | $1.79B | $137.8M | $1.1M | 0.12% | 3.40% | 3.33% |
| Q1 2025 | $1.73B | $1.47B | $1.65B | $125.6M | $-2.3M | -0.55% | 3.22% | 3.42% |
| Q4 2024 | $1.57B | $1.40B | $1.50B | $112.7M | $11.7M | 0.90% | 4.03% | 2.75% |
| Q3 2024 | $1.46B | $1.18B | $1.40B | $103.3M | $9.0M | 0.98% | 4.13% | 2.51% |
Loan mix (Q2 2026): real estate $1.18B · commercial $984.1M · consumer $3.0M · securities $7.6M
| Ratio | First Bank of the Lake | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 1.26% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 12.2% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.6% | 59.0% | 62th |
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 the Lake | 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 the Lake | 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 the Lake | 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 the Lake | 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.