| Metric | First General Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +5.5% | -2.1 pts |
| Deposit growth (YoY) | +1.7% | +5.1% | -3.4 pts |
| Loan growth (YoY) | +1.5% | +5.9% | -4.4 pts |
| ROA | 2.31% | 1.26% | +1.1 pts |
| ROE | 8.9% | 12.2% | -3.3 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.17B | $837.8M | $931.1M | $303.1M | $13.3M | 2.31% | 4.99% | 1.72% |
| Q1 2026 | $1.14B | $811.9M | $917.1M | $301.1M | $6.4M | 2.26% | 4.96% | 1.89% |
| Q4 2025 | $1.14B | $806.1M | $908.1M | $294.2M | $29.2M | 2.56% | 5.46% | 1.91% |
| Q3 2025 | $1.14B | $822.9M | $899.8M | $293.0M | $23.0M | 2.69% | 5.52% | 1.03% |
| Q2 2025 | $1.14B | $824.0M | $917.3M | $284.8M | $15.2M | 2.65% | 5.45% | 1.12% |
| Q1 2025 | $1.14B | $836.1M | $880.5M | $280.8M | $7.2M | 2.51% | 5.29% | 1.11% |
| Q4 2024 | $1.15B | $847.4M | $836.9M | $273.3M | $35.6M | 3.13% | 6.00% | 1.18% |
| Q3 2024 | $1.15B | $851.9M | $833.2M | $271.0M | $28.2M | 3.32% | 6.14% | 1.08% |
Loan mix (Q2 2026): real estate $862.0M · commercial $32.2M · consumer $0 · securities $7.3M
| Ratio | First General Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.31% | 1.26% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 12.2% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.99% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 31.7% | 59.0% | 3th |
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 General 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 General 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 General 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 General 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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