| Metric | First Metro Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +5.5% | -4.1 pts |
| Deposit growth (YoY) | -0.0% | +5.1% | -5.1 pts |
| Loan growth (YoY) | +6.7% | +5.9% | +0.8 pts |
| ROA | 1.62% | 1.26% | +0.4 pts |
| ROE | 14.8% | 12.2% | +2.6 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.01B | $893.7M | $593.8M | $113.6M | $8.2M | 1.62% | 3.69% | 0.11% |
| Q1 2026 | $1.01B | $895.0M | $585.2M | $109.8M | $4.0M | 1.57% | 3.60% | 0.09% |
| Q4 2025 | $1.01B | $893.4M | $581.0M | $108.7M | $17.1M | 1.71% | 3.84% | 0.09% |
| Q3 2025 | $996.0M | $883.5M | $574.9M | $107.6M | $12.6M | 1.69% | 3.82% | 0.10% |
| Q2 2025 | $998.3M | $893.9M | $556.5M | $99.2M | $8.2M | 1.65% | 3.75% | 0.24% |
| Q1 2025 | $997.6M | $897.6M | $560.1M | $94.5M | $3.8M | 1.55% | 3.65% | 0.04% |
| Q4 2024 | $981.9M | $888.6M | $563.2M | $88.0M | $15.7M | 1.60% | 3.73% | 0.13% |
| Q3 2024 | $983.9M | $884.7M | $569.0M | $94.3M | $12.0M | 1.63% | 3.72% | 0.05% |
Loan mix (Q2 2026): real estate $503.3M · commercial $67.8M · consumer $16.0M · securities $258.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Metro Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 1.26% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 12.2% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.7% | 59.0% | 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 Metro 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 Metro 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 Metro 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 Metro 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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