| Metric | First Choice Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.2% | +4.9% | +7.3 pts |
| Deposit growth (YoY) | +12.9% | +4.3% | +8.5 pts |
| Loan growth (YoY) | +19.3% | +5.3% | +13.9 pts |
| ROA | 0.38% | 1.28% | -0.9 pts |
| ROE | 4.6% | 12.4% | -7.8 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $561.0M | $510.0M | $402.4M | $45.9M | $1.0M | 0.38% | 3.83% | 0.36% |
| Q1 2026 | $558.7M | $509.9M | $368.7M | $44.1M | $-318K | -0.24% | 3.73% | 0.54% |
| Q4 2025 | $515.8M | $465.4M | $354.3M | $45.0M | $4.2M | 0.85% | 3.86% | 0.33% |
| Q3 2025 | $499.0M | $447.7M | $345.6M | $45.8M | $3.3M | 0.87% | 3.82% | 0.30% |
| Q2 2025 | $500.0M | $451.9M | $337.4M | $43.0M | $2.2M | 0.87% | 3.74% | 0.33% |
| Q1 2025 | $512.9M | $466.9M | $323.8M | $40.9M | $919K | 0.74% | 3.53% | 0.34% |
| Q4 2024 | $483.8M | $439.6M | $307.9M | $38.9M | $3.3M | 0.69% | 3.18% | 0.38% |
| Q3 2024 | $485.9M | $437.3M | $293.1M | $42.6M | $2.4M | 0.68% | 3.09% | 0.42% |
Loan mix (Q2 2026): real estate $350.0M · commercial $30.3M · consumer $21.1M · securities $93.1M
| Ratio | First Choice Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 1.28% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 12.4% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.2% | 61.2% | 94th |
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 Choice 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 Choice 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 Choice 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 Choice 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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