| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +25.1% | +4.9% | +20.2 pts |
| Deposit growth (YoY) | +33.3% | +4.3% | +28.9 pts |
| Loan growth (YoY) | +35.1% | +5.3% | +29.8 pts |
| ROA | 2.08% | 1.28% | +0.8 pts |
| ROE | 22.3% | 12.4% | +9.9 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $875.3M | $703.4M | $524.7M | $82.4M | $8.5M | 2.08% | 3.76% | 0.59% |
| Q1 2026 | $875.0M | $684.2M | $535.5M | $81.5M | $7.2M | 3.67% | 3.77% | 0.79% |
| Q4 2025 | $696.9M | $532.6M | $415.5M | $64.1M | $5.8M | 0.85% | 3.18% | 0.15% |
| Q3 2025 | $699.6M | $530.5M | $389.2M | $62.2M | $4.5M | 0.88% | 3.18% | 0.22% |
| Q2 2025 | $699.7M | $527.9M | $388.2M | $59.8M | $3.0M | 0.87% | 3.24% | 0.32% |
| Q1 2025 | $690.9M | $523.1M | $365.7M | $57.4M | $1.2M | 0.72% | 3.15% | 0.33% |
| Q4 2024 | $644.1M | $491.8M | $378.1M | $55.0M | $5.9M | 0.94% | 3.42% | 0.41% |
| Q3 2024 | $664.8M | $515.5M | $387.2M | $54.8M | $4.5M | 0.95% | 3.43% | 0.16% |
Loan mix (Q2 2026): real estate $254.1M · commercial $184.7M · consumer $46.9M · securities $150.7M
| Ratio | First Independence Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.08% | 1.28% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 22.3% | 12.4% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.4% | 61.2% | 72th |
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 Independence 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 Independence 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 Independence 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 Independence 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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