| Metric | First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +5.5% | -3.6 pts |
| Deposit growth (YoY) | -1.1% | +5.1% | -6.2 pts |
| Loan growth (YoY) | +7.8% | +5.9% | +1.9 pts |
| ROA | 0.66% | 1.26% | -0.6 pts |
| ROE | 8.0% | 12.2% | -4.1 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.65B | $5.83B | $4.21B | $561.2M | $22.0M | 0.66% | 3.08% | 0.21% |
| Q1 2026 | $6.69B | $5.94B | $4.20B | $546.2M | $10.5M | 0.63% | 3.02% | 0.19% |
| Q4 2025 | $6.65B | $5.97B | $3.99B | $535.7M | $33.5M | 0.51% | 2.92% | 0.15% |
| Q3 2025 | $6.57B | $5.90B | $4.01B | $517.6M | $22.8M | 0.46% | 2.87% | 0.23% |
| Q2 2025 | $6.53B | $5.90B | $3.91B | $498.8M | $12.1M | 0.37% | 2.76% | 0.20% |
| Q1 2025 | $6.57B | $5.87B | $3.83B | $492.5M | $3.6M | 0.22% | 2.63% | 0.23% |
| Q4 2024 | $6.63B | $5.93B | $3.76B | $477.8M | $18.1M | 0.28% | 2.47% | 0.16% |
| Q3 2024 | $6.56B | $5.87B | $3.76B | $490.9M | $11.1M | 0.22% | 2.42% | 0.26% |
Loan mix (Q2 2026): real estate $3.00B · commercial $822.1M · consumer $16.9M · securities $1.84B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 1.26% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 12.2% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.7% | 59.0% | 85th |
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 | 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 | 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 | 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 | 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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