| Metric | First Fidelity Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +5.5% | -4.1 pts |
| Deposit growth (YoY) | -1.6% | +5.1% | -6.7 pts |
| Loan growth (YoY) | +7.9% | +5.9% | +2.0 pts |
| ROA | 1.15% | 1.26% | -0.1 pts |
| ROE | 13.7% | 12.2% | +1.5 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.98B | $2.49B | $2.11B | $248.8M | $16.9M | 1.15% | 3.69% | 0.33% |
| Q1 2026 | $2.93B | $2.49B | $2.07B | $249.6M | $6.9M | 0.94% | 3.56% | 0.31% |
| Q4 2025 | $2.93B | $2.43B | $2.07B | $246.1M | $27.3M | 0.94% | 3.31% | 0.31% |
| Q3 2025 | $2.89B | $2.47B | $2.02B | $239.1M | $20.1M | 0.93% | 3.24% | 0.36% |
| Q2 2025 | $2.94B | $2.53B | $1.96B | $224.3M | $13.3M | 0.92% | 3.21% | 0.39% |
| Q1 2025 | $2.90B | $2.50B | $1.97B | $214.5M | $5.2M | 0.73% | 3.11% | 0.38% |
| Q4 2024 | $2.81B | $2.36B | $1.93B | $201.6M | $21.1M | 0.76% | 2.92% | 0.31% |
| Q3 2024 | $2.82B | $2.42B | $1.89B | $213.9M | $14.7M | 0.71% | 2.84% | 0.31% |
Loan mix (Q2 2026): real estate $1.68B · commercial $198.8M · consumer $239.1M · securities $628.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Fidelity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 1.26% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 12.2% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.9% | 59.0% | 53th |
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 Fidelity 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 Fidelity 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 Fidelity 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 Fidelity 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.