| Metric | First National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +5.5% | +4.3 pts |
| Deposit growth (YoY) | +10.8% | +5.1% | +5.8 pts |
| Loan growth (YoY) | +3.1% | +5.9% | -2.9 pts |
| ROA | 1.75% | 1.26% | +0.5 pts |
| ROE | 21.9% | 12.2% | +9.7 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.14B | $1.04B | $742.6M | $91.5M | $9.6M | 1.75% | 4.17% | 0.12% |
| Q1 2026 | $1.09B | $998.5M | $735.6M | $85.6M | $3.1M | 1.15% | 4.11% | 0.14% |
| Q4 2025 | $1.06B | $971.3M | $734.1M | $87.1M | $11.3M | 1.08% | 4.11% | 0.14% |
| Q3 2025 | $1.03B | $938.1M | $724.2M | $85.4M | $8.4M | 1.08% | 4.09% | 0.13% |
| Q2 2025 | $1.04B | $939.8M | $720.5M | $92.1M | $5.3M | 1.01% | 4.02% | 0.09% |
| Q1 2025 | $1.04B | $940.7M | $714.5M | $89.2M | $2.4M | 0.92% | 3.89% | 0.10% |
| Q4 2024 | $1.04B | $950.9M | $706.0M | $86.3M | $9.8M | 0.97% | 3.76% | 0.15% |
| Q3 2024 | $1.01B | $921.4M | $673.3M | $85.2M | $6.9M | 0.91% | 3.74% | 0.09% |
Loan mix (Q2 2026): real estate $512.2M · commercial $88.3M · consumer $134.1M · securities $187.9M
| Ratio | First National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.75% | 1.26% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 21.9% | 12.2% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.2% | 59.0% | 47th |
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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