| Metric | First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +5.5% | -3.9 pts |
| Deposit growth (YoY) | +0.5% | +5.1% | -4.5 pts |
| Loan growth (YoY) | +3.1% | +5.9% | -2.8 pts |
| ROA | 1.14% | 1.26% | -0.1 pts |
| ROE | 12.2% | 12.2% | +0.1 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.07B | $1.85B | $1.47B | $195.5M | $11.7M | 1.14% | 4.07% | 0.23% |
| Q1 2026 | $2.08B | $1.85B | $1.45B | $190.8M | $5.5M | 1.08% | 3.95% | 0.21% |
| Q4 2025 | $2.04B | $1.82B | $1.44B | $188.4M | $20.0M | 0.98% | 4.00% | 0.23% |
| Q3 2025 | $2.03B | $1.84B | $1.42B | $181.5M | $14.0M | 0.92% | 3.97% | 0.30% |
| Q2 2025 | $2.04B | $1.84B | $1.43B | $172.4M | $7.9M | 0.78% | 3.95% | 0.33% |
| Q1 2025 | $2.03B | $1.86B | $1.44B | $165.7M | $2.3M | 0.45% | 3.84% | 0.24% |
| Q4 2024 | $2.01B | $1.84B | $1.45B | $161.7M | $8.4M | 0.54% | 3.67% | 0.37% |
| Q3 2024 | $1.45B | $1.27B | $982.0M | $121.4M | $8.6M | 0.80% | 3.40% | 0.41% |
Loan mix (Q2 2026): real estate $1.36B · commercial $113.2M · consumer $8.6M · securities $317.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 1.26% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 12.2% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.4% | 59.0% | 69th |
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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