| Metric | First National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +4.4% | -5.5 pts |
| Deposit growth (YoY) | -2.6% | +4.0% | -6.6 pts |
| Loan growth (YoY) | +2.1% | +5.6% | -3.5 pts |
| ROA | 1.08% | 1.24% | -0.2 pts |
| ROE | 19.4% | 11.9% | +7.5 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $452.8M | $425.4M | $215.6M | $25.4M | $2.5M | 1.08% | 4.08% | 2.57% |
| Q1 2026 | $464.5M | $436.3M | $215.6M | $26.0M | $1.6M | 1.34% | 4.27% | 1.18% |
| Q4 2025 | $470.3M | $442.2M | $218.0M | $26.2M | $7.6M | 1.62% | 3.81% | 1.12% |
| Q3 2025 | $458.4M | $431.7M | $212.0M | $24.4M | $5.8M | 1.66% | 3.77% | 0.97% |
| Q2 2025 | $458.0M | $436.9M | $211.1M | $19.1M | $4.1M | 1.77% | 3.71% | 1.03% |
| Q1 2025 | $467.1M | $444.5M | $210.0M | $18.2M | $1.4M | 1.22% | 3.64% | 1.20% |
| Q4 2024 | $473.7M | $456.9M | $208.5M | $14.9M | $5.7M | 1.20% | 3.37% | 1.19% |
| Q3 2024 | $486.9M | $463.1M | $205.8M | $21.9M | $4.1M | 1.16% | 3.32% | 0.95% |
Loan mix (Q2 2026): real estate $165.7M · commercial $13.9M · consumer $39.9M · securities $187.8M
| Ratio | First National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 1.24% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 19.4% | 11.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.2% | 62.9% | 69th |
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 National 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 National 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 National 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 National 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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