| Metric | First Century Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +4.9% | +2.0 pts |
| Deposit growth (YoY) | +5.5% | +4.3% | +1.2 pts |
| Loan growth (YoY) | +9.7% | +5.3% | +4.3 pts |
| ROA | 1.69% | 1.28% | +0.4 pts |
| ROE | 18.4% | 12.4% | +5.9 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 | $809.8M | $722.3M | $699.9M | $74.4M | $6.6M | 1.69% | 4.33% | 0.06% |
| Q1 2026 | $780.9M | $694.8M | $680.7M | $72.0M | $3.2M | 1.68% | 4.32% | 0.04% |
| Q4 2025 | $761.3M | $682.0M | $662.8M | $69.8M | $10.3M | 1.37% | 4.02% | 0.04% |
| Q3 2025 | $774.6M | $698.4M | $651.6M | $67.9M | $8.0M | 1.43% | 3.91% | 0.02% |
| Q2 2025 | $757.2M | $684.7M | $638.1M | $65.2M | $5.0M | 1.36% | 3.83% | 0.03% |
| Q1 2025 | $744.4M | $674.2M | $625.7M | $62.8M | $2.3M | 1.25% | 3.74% | 0.03% |
| Q4 2024 | $711.2M | $642.5M | $608.0M | $60.8M | $9.2M | 1.37% | 3.76% | 0.02% |
| Q3 2024 | $691.4M | $619.2M | $602.4M | $59.3M | $7.1M | 1.42% | 3.74% | 0.02% |
Loan mix (Q2 2026): real estate $648.3M · commercial $52.9M · consumer $5.9M · securities $9.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Century Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 1.28% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 18.4% | 12.4% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.33% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.7% | 61.2% | 14th |
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 Century 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 Century 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 Century 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 Century 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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