| Metric | First Capital Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.4% | +1.1 pts |
| Deposit growth (YoY) | +5.5% | +4.0% | +1.6 pts |
| Loan growth (YoY) | -6.1% | +5.6% | -11.6 pts |
| ROA | 1.67% | 1.24% | +0.4 pts |
| ROE | 18.6% | 11.9% | +6.8 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $107.3M | $96.8M | $74.3M | $10.3M | $920K | 1.67% | 6.16% | 0.95% |
| Q1 2026 | $107.2M | $96.8M | $78.0M | $9.9M | $539K | 1.93% | 6.41% | 0.86% |
| Q4 2025 | $116.3M | $106.5M | $82.8M | $9.4M | $458K | 0.44% | 5.34% | 4.30% |
| Q3 2025 | $107.2M | $97.0M | $77.1M | $9.8M | $661K | 0.86% | 5.44% | 4.56% |
| Q2 2025 | $101.7M | $91.7M | $79.1M | $9.6M | $536K | 1.07% | 5.60% | 1.71% |
| Q1 2025 | $95.2M | $85.6M | $80.3M | $9.3M | $203K | 0.81% | 5.51% | 0.21% |
| Q4 2024 | $104.4M | $95.0M | $79.0M | $9.1M | $549K | 0.57% | 5.74% | 1.83% |
| Q3 2024 | $94.4M | $85.0M | $75.2M | $9.0M | $470K | 0.67% | 5.78% | 2.50% |
Loan mix (Q2 2026): real estate $44.6M · commercial $10.1M · consumer $5.2M · securities $5.9M
| Ratio | First Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 1.24% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 18.6% | 11.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.16% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.9% | 62.9% | 38th |
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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