| Metric | First Carolina Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +5.5% | -4.9 pts |
| Deposit growth (YoY) | -2.6% | +5.1% | -7.6 pts |
| Loan growth (YoY) | +1.7% | +5.9% | -4.2 pts |
| ROA | 0.78% | 1.26% | -0.5 pts |
| ROE | 6.2% | 12.2% | -6.0 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.41B | $2.87B | $2.72B | $455.6M | $13.1M | 0.78% | 3.39% | 0.65% |
| Q1 2026 | $3.42B | $2.97B | $2.66B | $412.9M | $7.0M | 0.83% | 3.40% | 0.65% |
| Q4 2025 | $3.32B | $2.80B | $2.63B | $405.3M | $16.8M | 0.51% | 3.35% | 0.65% |
| Q3 2025 | $3.52B | $3.08B | $2.67B | $396.9M | $10.8M | 0.44% | 3.30% | 0.63% |
| Q2 2025 | $3.39B | $2.95B | $2.68B | $405.7M | $11.6M | 0.72% | 3.29% | 0.89% |
| Q1 2025 | $3.23B | $2.72B | $2.63B | $398.1M | $5.8M | 0.74% | 3.37% | 0.72% |
| Q4 2024 | $3.04B | $2.52B | $2.57B | $391.1M | $24.5M | 0.83% | 3.38% | 0.76% |
| Q3 2024 | $3.09B | $2.60B | $2.60B | $346.1M | $17.8M | 0.81% | 3.36% | 0.56% |
Loan mix (Q2 2026): real estate $2.43B · commercial $313.1M · consumer $2.0M · securities $325.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Carolina Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 1.26% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 12.2% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.6% | 59.0% | 87th |
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 Carolina 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 Carolina 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 Carolina 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 Carolina 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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