| Metric | First Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +4.4% | -2.2 pts |
| Deposit growth (YoY) | +2.8% | +4.0% | -1.1 pts |
| Loan growth (YoY) | +4.2% | +5.6% | -1.4 pts |
| ROA | 1.91% | 1.24% | +0.7 pts |
| ROE | 19.3% | 11.9% | +7.5 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $413.6M | $358.3M | $335.4M | $40.3M | $3.9M | 1.91% | 5.51% | 0.00% |
| Q1 2026 | $414.0M | $356.0M | $337.3M | $40.3M | $1.9M | 1.89% | 5.50% | 0.00% |
| Q4 2025 | $403.4M | $352.6M | $325.5M | $40.8M | $7.5M | 1.86% | 5.23% | 0.00% |
| Q3 2025 | $417.7M | $371.9M | $322.2M | $40.5M | $5.3M | 1.76% | 5.16% | 0.00% |
| Q2 2025 | $404.7M | $348.5M | $322.0M | $39.6M | $3.3M | 1.66% | 5.06% | 0.00% |
| Q1 2025 | $396.0M | $338.9M | $314.8M | $39.5M | $1.6M | 1.65% | 5.12% | 0.00% |
| Q4 2024 | $391.2M | $333.4M | $310.1M | $37.2M | $7.2M | 1.77% | 5.04% | 0.00% |
| Q3 2024 | $396.6M | $352.2M | $310.6M | $38.2M | $5.2M | 1.69% | 4.96% | 0.00% |
Loan mix (Q2 2026): real estate $297.9M · commercial $37.8M · consumer $2.8M · securities $38.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.91% | 1.24% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 19.3% | 11.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.51% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.6% | 62.9% | 55th |
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% |
The full ratio pack is part of CharterBench Pro.