| Metric | First Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.0% | +4.9% | -5.9 pts |
| Deposit growth (YoY) | -2.6% | +4.3% | -6.9 pts |
| Loan growth (YoY) | -2.9% | +5.3% | -8.2 pts |
| ROA | 1.20% | 1.28% | -0.1 pts |
| ROE | 10.8% | 12.4% | -1.6 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $662.8M | $582.2M | $447.9M | $75.7M | $4.0M | 1.20% | 4.77% | 0.48% |
| Q1 2026 | $662.8M | $585.6M | $456.3M | $72.3M | $1.4M | 0.86% | 4.76% | 0.49% |
| Q4 2025 | $661.7M | $584.1M | $448.7M | $73.4M | $8.5M | 1.28% | 4.81% | 0.44% |
| Q3 2025 | $672.6M | $596.9M | $454.2M | $70.9M | $7.0M | 1.40% | 4.80% | 0.39% |
| Q2 2025 | $669.4M | $597.7M | $461.1M | $67.3M | $4.8M | 1.43% | 4.78% | 0.40% |
| Q1 2025 | $671.0M | $601.3M | $472.2M | $65.4M | $2.2M | 1.33% | 4.67% | 0.45% |
| Q4 2024 | $661.8M | $593.6M | $462.0M | $63.2M | $7.3M | 1.09% | 4.30% | 0.30% |
| Q3 2024 | $679.6M | $609.8M | $447.4M | $65.1M | $5.0M | 1.00% | 4.15% | 0.28% |
Loan mix (Q2 2026): real estate $405.6M · commercial $37.7M · consumer $9.8M · securities $157.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 1.28% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 12.4% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.77% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.5% | 61.2% | 83th |
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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