| Metric | First National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +4.4% | -5.4 pts |
| Deposit growth (YoY) | -2.1% | +4.0% | -6.0 pts |
| Loan growth (YoY) | +10.9% | +5.6% | +5.3 pts |
| ROA | 0.42% | 1.24% | -0.8 pts |
| ROE | 5.6% | 11.9% | -6.3 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $418.5M | $383.1M | $224.2M | $32.2M | $894K | 0.42% | 3.06% | 0.38% |
| Q1 2026 | $420.2M | $384.8M | $214.1M | $32.2M | $406K | 0.38% | 2.98% | 0.14% |
| Q4 2025 | $425.7M | $390.7M | $221.6M | $31.8M | $2.0M | 0.49% | 3.10% | 0.12% |
| Q3 2025 | $416.7M | $382.6M | $207.8M | $30.7M | $1.6M | 0.51% | 3.07% | 0.11% |
| Q2 2025 | $423.0M | $391.1M | $202.2M | $28.8M | $994K | 0.48% | 3.02% | 0.28% |
| Q1 2025 | $404.2M | $371.8M | $197.5M | $29.0M | $501K | 0.49% | 3.00% | 0.15% |
| Q4 2024 | $413.7M | $381.7M | $206.7M | $28.8M | $2.3M | 0.55% | 3.14% | 0.18% |
| Q3 2024 | $408.7M | $375.3M | $200.8M | $29.9M | $1.7M | 0.55% | 3.13% | 0.17% |
Loan mix (Q2 2026): real estate $195.4M · commercial $20.7M · consumer $5.2M · securities $112.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 1.24% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 11.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.6% | 62.9% | 91st |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
7 branches in 3 counties across 1 state (+0 vs 2024) · $391.1M branch deposits. Biggest market: Putnam, IN, ranked 1st with 30.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Putnam, IN | 3 | $296.1M | 30.88% | 1st |
| Hendricks, IN | 3 | $75.9M | 1.42% | 16th |
| Johnson, IN | 1 | $19.2M | 0.42% | 26th |
Indiana: 82nd with 0.16% · Indianapolis-Carmel-Greenwood metro: 45th, 0.10% ·
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 7