| Metric | First Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.0% | +5.5% | +8.5 pts |
| Deposit growth (YoY) | +14.3% | +5.1% | +9.2 pts |
| Loan growth (YoY) | +4.6% | +5.9% | -1.3 pts |
| ROA | 2.05% | 1.26% | +0.8 pts |
| ROE | 14.6% | 12.2% | +2.4 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.61B | $3.04B | $2.43B | $510.5M | $35.9M | 2.05% | 4.44% | 0.48% |
| Q1 2026 | $3.64B | $3.08B | $2.42B | $500.5M | $12.7M | 1.48% | 4.40% | 0.49% |
| Q4 2025 | $3.25B | $2.72B | $2.28B | $464.6M | $49.7M | 1.55% | 4.44% | 0.44% |
| Q3 2025 | $3.18B | $2.66B | $2.30B | $463.9M | $37.2M | 1.55% | 4.40% | 0.53% |
| Q2 2025 | $3.16B | $2.66B | $2.32B | $463.0M | $24.8M | 1.55% | 4.36% | 0.60% |
| Q1 2025 | $3.21B | $2.70B | $2.35B | $462.0M | $12.1M | 1.51% | 4.29% | 0.63% |
| Q4 2024 | $3.20B | $2.70B | $2.38B | $460.8M | $51.1M | 1.59% | 4.46% | 0.64% |
| Q3 2024 | $3.17B | $2.67B | $2.41B | $463.6M | $38.3M | 1.59% | 4.47% | 0.64% |
Loan mix (Q2 2026): real estate $2.10B · commercial $227.8M · consumer $48.3M · securities $239.1M
| Ratio | First Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.05% | 1.26% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 12.2% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.6% | 59.0% | 30th |
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 Community 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 Community 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 Community 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 Community 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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