| Metric | First Credit Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +4.9% | -6.9 pts |
| Deposit growth (YoY) | -6.0% | +4.3% | -10.4 pts |
| Loan growth (YoY) | -4.0% | +5.3% | -9.3 pts |
| ROA | 4.37% | 1.28% | +3.1 pts |
| ROE | 9.3% | 12.4% | -3.1 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $515.8M | $265.3M | $398.9M | $241.3M | $11.1M | 4.37% | 6.65% | 2.64% |
| Q1 2026 | $504.7M | $257.9M | $382.8M | $238.9M | $4.6M | 3.65% | 6.51% | 2.73% |
| Q4 2025 | $500.5M | $259.4M | $378.6M | $234.6M | $30.8M | 5.89% | 6.89% | 2.76% |
| Q3 2025 | $524.1M | $270.2M | $382.4M | $243.4M | $22.4M | 5.65% | 6.99% | 2.64% |
| Q2 2025 | $526.2M | $282.4M | $415.4M | $234.6M | $12.9M | 4.86% | 6.67% | 2.67% |
| Q1 2025 | $533.5M | $291.4M | $399.2M | $234.1M | $6.2M | 4.62% | 6.42% | 2.65% |
| Q4 2024 | $534.3M | $299.9M | $399.3M | $227.9M | $34.1M | 6.05% | 7.82% | 0.38% |
| Q3 2024 | $562.3M | $312.7M | $402.1M | $238.7M | $28.2M | 6.59% | 7.92% | 2.63% |
Loan mix (Q2 2026): real estate $406.4M · commercial $4.1M · consumer $0 · securities $9.4M
| Ratio | First Credit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.37% | 1.28% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 12.4% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.65% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 24.2% | 61.2% | 0th |
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 Credit 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 Credit 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 Credit 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 Credit 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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