| Metric | First Mutual Bank, FSB | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +4.4% | -4.7 pts |
| Deposit growth (YoY) | +3.1% | +4.0% | -0.9 pts |
| Loan growth (YoY) | -4.3% | +5.6% | -9.9 pts |
| ROA | 0.29% | 1.24% | -0.9 pts |
| ROE | 3.0% | 11.9% | -8.8 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $109.9M | $90.6M | $67.4M | $10.8M | $163K | 0.29% | 2.79% | 0.34% |
| Q1 2026 | $110.4M | $91.3M | $67.7M | $10.7M | $54K | 0.19% | 2.74% | 0.56% |
| Q4 2025 | $112.5M | $91.2M | $68.8M | $10.7M | $295K | 0.27% | 2.85% | 0.55% |
| Q3 2025 | $110.1M | $89.1M | $70.3M | $10.5M | $226K | 0.27% | 2.88% | 0.31% |
| Q2 2025 | $110.3M | $87.9M | $70.4M | $10.0M | $178K | 0.32% | 2.89% | 0.31% |
| Q1 2025 | $111.3M | $90.7M | $69.2M | $9.8M | $117K | 0.42% | 2.84% | 0.45% |
| Q4 2024 | $111.6M | $89.7M | $70.0M | $9.3M | $98K | 0.08% | 2.35% | 0.26% |
| Q3 2024 | $113.3M | $90.5M | $68.2M | $10.0M | $45K | 0.05% | 2.31% | 0.36% |
Loan mix (Q2 2026): real estate $66.3M · commercial $367K · consumer $1.3M · securities $23.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Mutual Bank, FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 1.24% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 11.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.79% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.8% | 62.9% | 91th |
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 Mutual Bank, FSB | 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 Mutual Bank, FSB | 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 Mutual Bank, FSB | 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 Mutual Bank, FSB | 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.