| Metric | First Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.4% | -1.5 pts |
| Deposit growth (YoY) | +2.2% | +4.0% | -1.8 pts |
| Loan growth (YoY) | +12.7% | +5.6% | +7.1 pts |
| ROA | 1.81% | 1.24% | +0.6 pts |
| ROE | 19.5% | 11.9% | +7.7 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $158.9M | $141.8M | $122.6M | $15.1M | $1.5M | 1.81% | 3.94% | 0.26% |
| Q1 2026 | $162.7M | $146.1M | $122.2M | $14.9M | $747K | 1.85% | 3.88% | 0.29% |
| Q4 2025 | $159.5M | $142.8M | $119.0M | $14.6M | $2.7M | 1.75% | 3.62% | 0.04% |
| Q3 2025 | $155.9M | $139.3M | $111.0M | $14.2M | $2.0M | 1.70% | 3.56% | 0.04% |
| Q2 2025 | $154.5M | $138.7M | $108.8M | $13.3M | $1.3M | 1.62% | 3.45% | 0.05% |
| Q1 2025 | $155.3M | $138.5M | $106.4M | $12.9M | $599K | 1.55% | 3.42% | 0.05% |
| Q4 2024 | $153.0M | $136.3M | $103.9M | $12.2M | $2.1M | 1.42% | 3.16% | 0.05% |
| Q3 2024 | $149.7M | $132.5M | $102.9M | $12.9M | $1.6M | 1.48% | 3.12% | 0.05% |
Loan mix (Q2 2026): real estate $111.0M · commercial $4.8M · consumer $1.2M · securities $26.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.81% | 1.24% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 19.5% | 11.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.0% | 62.9% | 35th |
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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