| Metric | First Heritage Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +3.0% | +0.8 pts |
| Deposit growth (YoY) | +3.1% | +2.5% | +0.7 pts |
| Loan growth (YoY) | +5.8% | +2.6% | +3.2 pts |
| ROA | 1.82% | 0.99% | +0.8 pts |
| ROE | 19.0% | 8.1% | +10.9 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $72.1M | $59.9M | $55.2M | $7.0M | $651K | 1.82% | 4.33% | 0.00% |
| Q1 2026 | $72.1M | $59.9M | $52.9M | $7.0M | $329K | 1.85% | 4.32% | 0.00% |
| Q4 2025 | $69.9M | $58.0M | $53.5M | $6.7M | $1.1M | 1.54% | 3.96% | 0.00% |
| Q3 2025 | $68.6M | $56.8M | $52.9M | $6.5M | $796K | 1.54% | 3.86% | 0.00% |
| Q2 2025 | $69.5M | $58.1M | $52.2M | $6.1M | $486K | 1.40% | 3.72% | 0.00% |
| Q1 2025 | $69.8M | $58.7M | $50.4M | $5.8M | $228K | 1.32% | 3.55% | 0.00% |
| Q4 2024 | $68.6M | $57.7M | $50.2M | $5.5M | $628K | 0.97% | 3.42% | 0.00% |
| Q3 2024 | $64.0M | $56.4M | $49.5M | $5.5M | $464K | 0.97% | 3.35% | 0.00% |
Loan mix (Q2 2026): real estate $40.8M · commercial $7.0M · consumer $1.4M · securities $11.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.82% | 0.99% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 19.0% | 8.1% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.33% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.8% | 70.8% | 12th |
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 Heritage 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 Heritage 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 Heritage 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 Heritage 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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