| Metric | First City Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +3.0% | -6.5 pts |
| Deposit growth (YoY) | -94.7% | +2.5% | -97.2 pts |
| Loan growth (YoY) | -19.4% | +2.6% | -22.0 pts |
| ROA | -3.05% | 0.99% | -4.0 pts |
| ROE | -8.0% | 8.1% | -16.0 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.0M | $1.1M | $7.2M | $21.7M | $-365K | -3.05% | 1.49% | 0.00% |
| Q1 2026 | $23.9M | $20.8M | $9.1M | $2.8M | $-112K | -1.83% | 4.85% | 0.28% |
| Q4 2025 | $25.0M | $21.7M | $8.9M | $3.0M | $-389K | -1.51% | 4.90% | 0.26% |
| Q3 2025 | $25.4M | $22.0M | $8.4M | $3.0M | $-276K | -1.42% | 4.80% | 0.11% |
| Q2 2025 | $23.8M | $20.5M | $8.9M | $2.9M | $-186K | -1.43% | 4.85% | 0.18% |
| Q1 2025 | $25.4M | $21.9M | $9.3M | $3.1M | $-74K | -1.09% | 4.84% | 0.01% |
| Q4 2024 | $29.1M | $25.5M | $10.1M | $3.2M | $-79K | -0.28% | 4.90% | 0.00% |
| Q3 2024 | $30.5M | $26.7M | $11.5M | $3.4M | $-41K | -0.20% | 4.75% | 0.00% |
Loan mix (Q2 2026): real estate $7.3M · commercial $14K · consumer $0 · securities $0
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First City Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.05% | 0.99% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -8.0% | 8.1% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.49% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 293.8% | 70.8% | 99th |
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 City 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 City 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 City 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 City 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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