| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.9% | +0.1 pts |
| Deposit growth (YoY) | +4.3% | +4.3% | +0.0 pts |
| Loan growth (YoY) | +6.5% | +5.3% | +1.1 pts |
| ROA | 1.43% | 1.28% | +0.2 pts |
| ROE | 11.4% | 12.4% | -1.0 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $772.4M | $595.4M | $490.9M | $99.1M | $5.6M | 1.43% | 3.57% | 0.21% |
| Q1 2026 | $784.0M | $608.1M | $484.0M | $96.9M | $2.8M | 1.41% | 3.50% | 0.21% |
| Q4 2025 | $774.9M | $604.5M | $487.8M | $95.7M | $9.2M | 1.23% | 3.25% | 0.44% |
| Q3 2025 | $761.5M | $579.1M | $483.0M | $92.9M | $6.7M | 1.20% | 3.19% | 0.41% |
| Q2 2025 | $735.8M | $570.6M | $461.0M | $87.6M | $4.2M | 1.15% | 3.11% | 0.45% |
| Q1 2025 | $747.5M | $579.7M | $454.8M | $84.9M | $2.0M | 1.10% | 3.00% | 0.18% |
| Q4 2024 | $726.2M | $573.2M | $442.6M | $81.2M | $7.4M | 1.05% | 2.88% | 0.16% |
| Q3 2024 | $711.9M | $550.5M | $431.0M | $83.8M | $5.4M | 1.03% | 2.86% | 0.13% |
Loan mix (Q2 2026): real estate $348.1M · commercial $82.4M · consumer $13.5M · securities $225.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Central State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 1.28% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 12.4% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
33th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.6% | 61.2% | 24th |
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 State 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 State 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 State 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 State 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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