No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $147.6M | $131.4M | $72.8M | $15.8M | $887K | 1.24% | 3.86% | 0.68% |
| Q1 2026 | $142.6M | $126.7M | $73.2M | $15.5M | $444K | 1.26% | 3.84% | 0.76% |
| Q4 2025 | $139.4M | $123.7M | $73.4M | $15.3M | $1.2M | 0.87% | 3.80% | 0.65% |
| Q3 2025 | $140.4M | $124.9M | $73.2M | $15.1M | $1.1M | 1.05% | 3.72% | 0.77% |
| Q2 2025 | $139.7M | $124.9M | $72.0M | $14.4M | $751K | 1.10% | 3.65% | 0.73% |
| Q1 2025 | $137.4M | $123.2M | $73.2M | $13.7M | $272K | 0.80% | 3.58% | 0.64% |
| Q4 2024 | $133.4M | $119.8M | $73.0M | $13.2M | $1.1M | 0.81% | 3.39% | 0.45% |
| Q3 2024 | $132.5M | $118.8M | $72.8M | $13.2M | $695K | 0.71% | 3.33% | 0.90% |
Loan mix (Q2 2026): real estate $56.1M · commercial $9.5M · consumer $5.2M · securities $52.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Independent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.24% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 11.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.4% | 62.9% | 43th |
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 Independent 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 Independent 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 Independent 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 Independent 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.