| Metric | First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +4.4% | -1.0 pts |
| Deposit growth (YoY) | +2.8% | +4.0% | -1.2 pts |
| Loan growth (YoY) | +14.8% | +5.6% | +9.3 pts |
| ROA | 1.06% | 1.24% | -0.2 pts |
| ROE | 8.9% | 11.9% | -3.0 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $162.4M | $124.3M | $112.3M | $18.8M | $831K | 1.06% | 4.07% | 5.57% |
| Q1 2026 | $156.5M | $121.9M | $103.9M | $18.4M | $391K | 1.01% | 4.09% | 4.01% |
| Q4 2025 | $152.0M | $113.7M | $99.8M | $19.0M | $1.1M | 0.71% | 4.05% | 4.16% |
| Q3 2025 | $157.4M | $120.9M | $92.4M | $19.2M | $1.3M | 1.08% | 4.05% | 0.52% |
| Q2 2025 | $157.1M | $120.9M | $97.8M | $17.9M | $714K | 0.92% | 3.97% | 0.54% |
| Q1 2025 | $158.4M | $118.2M | $98.0M | $17.5M | $356K | 0.92% | 3.87% | 0.47% |
| Q4 2024 | $151.5M | $109.9M | $89.7M | $17.4M | $1.1M | 0.74% | 3.68% | 0.53% |
| Q3 2024 | $155.3M | $116.9M | $90.1M | $17.5M | $578K | 0.52% | 3.59% | 0.46% |
Loan mix (Q2 2026): real estate $65.8M · commercial $18.3M · consumer $3.0M · securities $35.3M
| Ratio | First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 1.24% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 11.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 62.9% | 55th |
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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