| Metric | First Enterprise Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.5% | +4.4% | -11.8 pts |
| Deposit growth (YoY) | -6.7% | +4.0% | -10.7 pts |
| Loan growth (YoY) | -8.4% | +5.6% | -14.0 pts |
| ROA | -0.27% | 1.24% | -1.5 pts |
| ROE | -2.5% | 11.9% | -14.4 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $189.7M | $167.9M | $158.2M | $20.8M | $-261K | -0.27% | 4.64% | 5.55% |
| Q1 2026 | $197.6M | $176.3M | $156.4M | $20.4M | $-627K | -1.27% | 4.49% | 5.74% |
| Q4 2025 | $197.9M | $176.2M | $166.8M | $21.1M | $-2.8M | -1.38% | 5.23% | 6.10% |
| Q3 2025 | $198.6M | $177.0M | $172.2M | $20.8M | $-3.0M | -1.98% | 5.49% | 7.94% |
| Q2 2025 | $205.0M | $180.0M | $172.8M | $23.7M | $-564K | -0.56% | 5.03% | 6.46% |
| Q1 2025 | $202.3M | $175.6M | $174.6M | $25.4M | $724K | 1.45% | 4.94% | 4.79% |
| Q4 2024 | $196.8M | $171.2M | $172.8M | $25.2M | $3.9M | 1.97% | 5.72% | 4.64% |
| Q3 2024 | $198.9M | $173.1M | $172.2M | $24.8M | $3.0M | 2.03% | 5.83% | 4.57% |
Loan mix (Q2 2026): real estate $142.5M · commercial $15.5M · consumer $457K · securities $0
| Ratio | First Enterprise Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.27% | 1.24% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -2.5% | 11.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.64% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.9% | 62.9% | 93th |
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 Enterprise 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 Enterprise 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 Enterprise 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 Enterprise 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.