| Metric | First Business Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.1% | +5.5% | +4.7 pts |
| Deposit growth (YoY) | +8.6% | +5.1% | +3.6 pts |
| Loan growth (YoY) | +9.9% | +5.9% | +4.0 pts |
| ROA | 1.41% | 1.26% | +0.2 pts |
| ROE | 13.9% | 12.2% | +1.7 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.41B | $3.60B | $3.55B | $448.6M | $30.2M | 1.41% | 3.80% | 0.86% |
| Q1 2026 | $4.32B | $3.57B | $3.49B | $430.8M | $13.6M | 1.29% | 3.73% | 0.94% |
| Q4 2025 | $4.08B | $3.38B | $3.36B | $423.4M | $54.1M | 1.36% | 3.80% | 1.07% |
| Q3 2025 | $4.04B | $3.33B | $3.31B | $411.0M | $40.4M | 1.36% | 3.81% | 0.58% |
| Q2 2025 | $4.00B | $3.31B | $3.23B | $397.5M | $24.8M | 1.26% | 3.78% | 0.71% |
| Q1 2025 | $3.94B | $3.25B | $3.16B | $388.9M | $12.4M | 1.27% | 3.78% | 0.61% |
| Q4 2024 | $3.85B | $3.11B | $3.09B | $379.6M | $48.1M | 1.32% | 3.79% | 0.74% |
| Q3 2024 | $3.72B | $2.98B | $3.02B | $361.8M | $33.8M | 1.25% | 3.76% | 0.52% |
Loan mix (Q2 2026): real estate $2.11B · commercial $1.28B · consumer $8.2M · securities $414.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Business Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.26% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 12.2% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.1% | 59.0% | 46th |
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 Business 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 Business 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 Business 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 Business 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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