| Metric | First Harrison Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +5.5% | -1.7 pts |
| Deposit growth (YoY) | +2.3% | +5.1% | -2.7 pts |
| Loan growth (YoY) | +2.9% | +5.9% | -3.0 pts |
| ROA | 1.42% | 1.26% | +0.2 pts |
| ROE | 13.5% | 12.2% | +1.3 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.29B | $1.14B | $669.4M | $137.7M | $9.1M | 1.42% | 3.90% | 0.38% |
| Q1 2026 | $1.28B | $1.14B | $665.2M | $133.4M | $4.3M | 1.34% | 3.80% | 0.31% |
| Q4 2025 | $1.27B | $1.13B | $655.6M | $133.5M | $16.6M | 1.35% | 3.64% | 0.34% |
| Q3 2025 | $1.23B | $1.10B | $643.4M | $127.7M | $11.7M | 1.28% | 3.60% | 0.31% |
| Q2 2025 | $1.24B | $1.11B | $650.8M | $118.5M | $7.2M | 1.19% | 3.51% | 0.32% |
| Q1 2025 | $1.21B | $1.09B | $643.3M | $115.4M | $3.3M | 1.10% | 3.40% | 0.34% |
| Q4 2024 | $1.19B | $1.07B | $631.7M | $110.0M | $12.6M | 1.08% | 3.26% | 0.37% |
| Q3 2024 | $1.19B | $1.03B | $631.3M | $112.1M | $9.2M | 1.05% | 3.22% | 0.38% |
Loan mix (Q2 2026): real estate $559.1M · commercial $66.1M · consumer $42.2M · securities $413.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Harrison Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.26% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 12.2% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.5% | 59.0% | 39th |
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 Harrison 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 Harrison 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 Harrison 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 Harrison 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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