| Metric | First Capital Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +25.3% | +5.5% | +19.8 pts |
| Deposit growth (YoY) | +29.4% | +5.1% | +24.4 pts |
| Loan growth (YoY) | +22.1% | +5.9% | +16.1 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 | $1.32B | $1.11B | $1.08B | $123.2M | $7.0M | 1.14% | 3.47% | 0.09% |
| Q1 2026 | $1.24B | $1.05B | $1.05B | $113.9M | $3.3M | 1.12% | 3.49% | 0.09% |
| Q4 2025 | $1.14B | $941.7M | $978.6M | $106.1M | $10.7M | 1.01% | 3.39% | 0.10% |
| Q3 2025 | $1.12B | $924.0M | $932.5M | $102.3M | $7.3M | 0.93% | 3.37% | 0.02% |
| Q2 2025 | $1.05B | $856.4M | $884.2M | $98.8M | $4.4M | 0.88% | 3.35% | 0.08% |
| Q1 2025 | $1.01B | $834.1M | $842.3M | $92.5M | $2.1M | 0.84% | 3.34% | 0.06% |
| Q4 2024 | $965.5M | $787.0M | $830.0M | $90.3M | $5.8M | 0.66% | 3.06% | 0.07% |
| Q3 2024 | $919.0M | $758.1M | $783.4M | $84.6M | $3.9M | 0.62% | 2.99% | 0.10% |
Loan mix (Q2 2026): real estate $995.2M · commercial $91.5M · consumer $5.2M · securities $69.6M
| Ratio | First Capital 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 | 3.47% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.3% | 59.0% | 33th |
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 Capital 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 Capital 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 Capital 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 Capital 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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