| Metric | First Electronic Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +4.9% | -6.7 pts |
| Deposit growth (YoY) | -14.3% | +4.3% | -18.7 pts |
| Loan growth (YoY) | +25.7% | +5.3% | +20.4 pts |
| ROA | 7.94% | 1.28% | +6.7 pts |
| ROE | 19.3% | 12.5% | +6.8 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $502.9M | $285.6M | $203.2M | $198.3M | $18.7M | 7.94% | 17.17% | 0.00% |
| Q1 2026 | $429.3M | $207.3M | $154.5M | $196.2M | $7.6M | 6.68% | 14.92% | 0.00% |
| Q4 2025 | $482.1M | $271.4M | $120.9M | $188.6M | $62.3M | 12.66% | 20.82% | 0.00% |
| Q3 2025 | $522.1M | $332.3M | $185.7M | $174.4M | $48.1M | 12.95% | 20.92% | 0.00% |
| Q2 2025 | $511.9M | $333.5M | $161.6M | $162.5M | $36.2M | 14.91% | 23.51% | 0.00% |
| Q1 2025 | $489.7M | $324.9M | $275.4M | $149.5M | $18.2M | 15.41% | 23.70% | 0.00% |
| Q4 2024 | $456.8M | $312.0M | $207.4M | $131.2M | $53.3M | 14.31% | 23.12% | 0.00% |
| Q3 2024 | $355.8M | $226.4M | $192.8M | $117.7M | $39.6M | 15.05% | 23.41% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $4.4M · consumer $200.1M · securities $2.6M
| Ratio | First Electronic Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 7.94% | 1.28% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 19.3% | 12.5% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 17.17% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.9% | 61.1% | 11th |
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 Electronic 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 Electronic Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | First Electronic 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 Electronic 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 Electronic 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.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
1 branches in 1 county across 1 state (+0 vs 2025) · $285.6M branch deposits. Biggest market: Salt Lake, UT, ranked 46th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 1 | $285.6M | 0.02% | 46th |
Utah: 59th with 0.02% · Salt Lake City-Murray metro: 46th, 0.02% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1