| Metric | First Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +5.5% | -4.7 pts |
| Deposit growth (YoY) | +2.8% | +5.1% | -2.3 pts |
| Loan growth (YoY) | +2.5% | +5.9% | -3.4 pts |
| ROA | 1.31% | 1.26% | +0.0 pts |
| ROE | 11.7% | 12.2% | -0.4 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.78B | $4.17B | $3.53B | $539.4M | $31.3M | 1.31% | 3.76% | 0.43% |
| Q1 2026 | $4.87B | $4.26B | $3.43B | $534.9M | $15.6M | 1.30% | 3.65% | 0.48% |
| Q4 2025 | $4.70B | $4.09B | $3.44B | $528.7M | $48.1M | 1.02% | 3.37% | 0.40% |
| Q3 2025 | $4.74B | $4.03B | $3.43B | $520.5M | $34.1M | 0.96% | 3.29% | 0.43% |
| Q2 2025 | $4.75B | $4.06B | $3.44B | $513.8M | $20.9M | 0.88% | 3.20% | 0.33% |
| Q1 2025 | $4.79B | $4.08B | $3.46B | $503.5M | $10.8M | 0.91% | 3.12% | 0.31% |
| Q4 2024 | $4.68B | $3.96B | $3.52B | $495.4M | $53.5M | 1.14% | 2.87% | 0.30% |
| Q3 2024 | $4.70B | $3.92B | $3.53B | $488.0M | $43.4M | 1.24% | 2.78% | 0.35% |
Loan mix (Q2 2026): real estate $2.26B · commercial $845.3M · consumer $116.6M · securities $842.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 1.26% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 12.2% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.0% | 59.0% | 49th |
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 & Trust | 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 & Trust | 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 & Trust | 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 & Trust | 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.