| Metric | First Bank of Utica | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.0% | +3.0% | -3.0 pts |
| Deposit growth (YoY) | -0.1% | +2.5% | -2.6 pts |
| Loan growth (YoY) | -1.0% | +2.6% | -3.6 pts |
| ROA | 0.63% | 0.99% | -0.4 pts |
| ROE | 4.5% | 8.1% | -3.6 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $77.4M | $62.4M | $58.3M | $11.1M | $247K | 0.63% | 4.40% | 0.48% |
| Q1 2026 | $78.1M | $63.4M | $55.2M | $10.9M | $98K | 0.49% | 4.22% | 0.63% |
| Q4 2025 | $80.3M | $65.4M | $59.8M | $11.1M | $731K | 0.96% | 4.65% | 0.34% |
| Q3 2025 | $75.0M | $60.1M | $61.5M | $10.9M | $483K | 0.86% | 4.66% | 0.83% |
| Q2 2025 | $77.4M | $62.5M | $58.9M | $10.7M | $303K | 0.81% | 4.52% | 0.88% |
| Q1 2025 | $76.6M | $61.8M | $56.3M | $10.5M | $131K | 0.71% | 4.39% | 0.48% |
| Q4 2024 | $70.5M | $55.5M | $55.1M | $10.7M | $846K | 1.13% | 4.63% | 0.57% |
| Q3 2024 | $76.1M | $61.1M | $58.6M | $10.5M | $656K | 1.15% | 4.61% | 0.55% |
Loan mix (Q2 2026): real estate $30.3M · commercial $6.4M · consumer $3.9M · securities $120K
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Bank of Utica | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.99% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 8.1% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.5% | 70.8% | 70th |
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 Utica | 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 Utica | 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 Utica | 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 Utica | 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 Utica | 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.
4 branches in 3 counties across 1 state (+0 vs 2025) · $62.4M branch deposits. Biggest market: Seward, NE, ranked 6th with 3.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Seward, NE | 2 | $46.6M | 3.46% | 6th |
| Saline, NE | 1 | $12.0M | 1.97% | 9th |
| Fillmore, NE | 1 | $3.8M | 0.66% | 6th |
Nebraska: 151st with 0.06% · Lincoln metro: 32nd, 0.27% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Technology spend in line with peers (32 bps of assets, 2025). 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).