| Metric | First Bank of Thomas | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.5% | +3.0% | +12.5 pts |
| Deposit growth (YoY) | +17.7% | +2.5% | +15.2 pts |
| Loan growth (YoY) | +6.6% | +2.6% | +4.0 pts |
| ROA | 1.18% | 0.99% | +0.2 pts |
| ROE | 9.2% | 8.1% | +1.1 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $63.2M | $55.7M | $27.5M | $7.5M | $345K | 1.18% | 3.27% | 1.01% |
| Q1 2026 | $58.4M | $51.0M | $28.9M | $7.3M | $167K | 1.20% | 3.35% | 1.10% |
| Q4 2025 | $53.2M | $45.4M | $29.8M | $7.8M | $694K | 1.32% | 3.63% | 1.04% |
| Q3 2025 | $53.5M | $45.8M | $28.8M | $7.6M | $535K | 1.36% | 3.62% | 1.04% |
| Q2 2025 | $54.7M | $47.3M | $25.8M | $7.4M | $339K | 1.29% | 3.58% | 0.70% |
| Q1 2025 | $52.6M | $45.5M | $24.8M | $7.1M | $155K | 1.21% | 3.42% | 0.82% |
| Q4 2024 | $49.7M | $42.3M | $24.0M | $7.4M | $488K | 0.97% | 3.55% | 0.87% |
| Q3 2024 | $50.8M | $43.3M | $24.0M | $7.4M | $406K | 1.07% | 3.53% | 0.49% |
Loan mix (Q2 2026): real estate $22.4M · commercial $1.2M · consumer $348K · securities $5.1M
| Ratio | First Bank of Thomas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 0.99% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 8.1% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 70.8% | 38th |
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 Thomas | 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 Thomas | 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 Thomas | 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 Thomas | 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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