| Metric | First Central Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +4.4% | -7.6 pts |
| Deposit growth (YoY) | -2.5% | +4.0% | -6.5 pts |
| Loan growth (YoY) | -1.0% | +5.6% | -6.6 pts |
| ROA | 1.34% | 1.24% | +0.1 pts |
| ROE | 11.8% | 11.9% | -0.1 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $137.8M | $117.7M | $105.2M | $15.9M | $935K | 1.34% | 4.21% | 2.83% |
| Q1 2026 | $137.6M | $116.0M | $99.2M | $15.9M | $449K | 1.27% | 4.29% | 2.94% |
| Q4 2025 | $144.5M | $119.1M | $102.5M | $15.7M | $1.3M | 0.96% | 4.44% | 3.76% |
| Q3 2025 | $141.8M | $118.3M | $108.1M | $15.3M | $676K | 0.65% | 4.39% | 5.69% |
| Q2 2025 | $142.3M | $120.8M | $106.3M | $14.9M | $0 | 0.00% | 4.13% | 5.67% |
| Q1 2025 | $140.4M | $119.3M | $104.5M | $14.7M | $-228K | -0.67% | 4.10% | 5.15% |
| Q4 2024 | $133.0M | $113.5M | $104.9M | $15.2M | $2.5M | 1.92% | 4.83% | 4.31% |
| Q3 2024 | $129.8M | $108.8M | $102.8M | $15.0M | $1.9M | 1.93% | 4.92% | 5.16% |
Loan mix (Q2 2026): real estate $53.0M · commercial $16.2M · consumer $4.1M · securities $15.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Central Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 1.24% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 11.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.9% | 62.9% | 50th |
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 Central 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 Central 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 Central 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 Central 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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