| Metric | First Fed Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +5.5% | -8.9 pts |
| Deposit growth (YoY) | -2.7% | +5.1% | -7.8 pts |
| Loan growth (YoY) | -2.9% | +5.9% | -8.8 pts |
| ROA | 0.20% | 1.26% | -1.1 pts |
| ROE | 2.3% | 12.2% | -9.9 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.11B | $1.61B | $1.60B | $180.9M | $2.1M | 0.20% | 3.06% | 1.06% |
| Q1 2026 | $2.12B | $1.61B | $1.61B | $179.3M | $774K | 0.15% | 3.06% | 1.09% |
| Q4 2025 | $2.09B | $1.60B | $1.61B | $179.6M | $-2.1M | -0.10% | 2.98% | 1.15% |
| Q3 2025 | $2.10B | $1.67B | $1.61B | $178.4M | $-3.0M | -0.18% | 2.93% | 0.71% |
| Q2 2025 | $2.18B | $1.66B | $1.65B | $172.7M | $-4.6M | -0.42% | 2.86% | 1.00% |
| Q1 2025 | $2.16B | $1.67B | $1.64B | $171.1M | $-9.0M | -1.65% | 2.81% | 0.95% |
| Q4 2024 | $2.22B | $1.69B | $1.67B | $178.7M | $-3.1M | -0.14% | 2.83% | 1.37% |
| Q3 2024 | $2.24B | $1.72B | $1.71B | $182.9M | $-2.3M | -0.14% | 2.83% | 1.36% |
Loan mix (Q2 2026): real estate $1.18B · commercial $62.0M · consumer $294.7M · securities $287.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Fed Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 1.26% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 12.2% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.7% | 59.0% | 99th |
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 Fed 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 Fed 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 Fed 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 Fed 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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