| Metric | First Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +4.9% | -0.6 pts |
| Deposit growth (YoY) | +4.4% | +4.3% | +0.1 pts |
| Loan growth (YoY) | -2.5% | +5.3% | -7.8 pts |
| ROA | 1.78% | 1.28% | +0.5 pts |
| ROE | 20.7% | 12.4% | +8.3 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $794.4M | $697.4M | $460.8M | $69.5M | $7.0M | 1.78% | 4.49% | 0.04% |
| Q1 2026 | $794.0M | $702.0M | $461.4M | $68.2M | $3.4M | 1.71% | 4.39% | 0.04% |
| Q4 2025 | $778.9M | $690.9M | $467.1M | $66.4M | $12.9M | 1.70% | 4.45% | 0.04% |
| Q3 2025 | $792.6M | $705.4M | $475.9M | $63.0M | $9.2M | 1.62% | 4.40% | 0.04% |
| Q2 2025 | $761.4M | $668.0M | $472.6M | $56.2M | $5.7M | 1.55% | 4.35% | 0.04% |
| Q1 2025 | $734.1M | $644.2M | $465.3M | $55.4M | $2.8M | 1.52% | 4.27% | 0.00% |
| Q4 2024 | $734.5M | $646.3M | $461.0M | $51.3M | $11.2M | 1.49% | 3.93% | 0.00% |
| Q3 2024 | $766.4M | $664.2M | $461.1M | $54.8M | $8.0M | 1.41% | 3.84% | 0.00% |
Loan mix (Q2 2026): real estate $368.3M · commercial $89.3M · consumer $3.8M · securities $214.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.78% | 1.28% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 20.7% | 12.4% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.49% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.2% | 61.2% | 32th |
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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