| Metric | First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +4.9% | -3.1 pts |
| Deposit growth (YoY) | +3.1% | +4.3% | -1.3 pts |
| Loan growth (YoY) | +7.0% | +5.3% | +1.6 pts |
| ROA | 1.54% | 1.28% | +0.3 pts |
| ROE | 12.1% | 12.4% | -0.3 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $739.9M | $619.8M | $558.0M | $96.6M | $5.7M | 1.54% | 3.82% | 0.45% |
| Q1 2026 | $747.7M | $622.8M | $553.8M | $93.5M | $2.7M | 1.46% | 3.74% | 0.45% |
| Q4 2025 | $729.5M | $598.9M | $534.3M | $91.3M | $9.1M | 1.24% | 3.50% | 0.48% |
| Q3 2025 | $735.2M | $579.5M | $535.2M | $89.5M | $6.8M | 1.22% | 3.43% | 0.61% |
| Q2 2025 | $726.8M | $601.3M | $521.6M | $86.4M | $4.4M | 1.18% | 3.35% | 0.43% |
| Q1 2025 | $747.6M | $628.2M | $523.5M | $83.8M | $1.9M | 1.01% | 3.27% | 0.10% |
| Q4 2024 | $734.9M | $614.1M | $508.8M | $80.5M | $6.8M | 0.94% | 2.94% | 0.07% |
| Q3 2024 | $731.8M | $606.7M | $499.0M | $81.6M | $4.7M | 0.88% | 2.85% | 0.05% |
Loan mix (Q2 2026): real estate $388.3M · commercial $56.5M · consumer $7.2M · securities $134.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 1.28% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 12.4% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.0% | 61.2% | 14th |
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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