| Metric | First National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +5.5% | -4.9 pts |
| Deposit growth (YoY) | -0.9% | +5.1% | -6.0 pts |
| Loan growth (YoY) | +1.3% | +5.9% | -4.7 pts |
| ROA | 1.22% | 1.26% | -0.0 pts |
| ROE | 14.9% | 12.2% | +2.7 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.18B | $2.68B | $2.40B | $264.2M | $19.2M | 1.22% | 2.82% | 0.57% |
| Q1 2026 | $3.17B | $2.67B | $2.38B | $258.1M | $9.3M | 1.18% | 2.79% | 0.53% |
| Q4 2025 | $3.13B | $2.67B | $2.37B | $254.2M | $35.5M | 1.13% | 2.61% | 0.43% |
| Q3 2025 | $3.16B | $2.74B | $2.37B | $245.7M | $25.1M | 1.06% | 2.53% | 0.35% |
| Q2 2025 | $3.16B | $2.71B | $2.37B | $236.7M | $15.8M | 1.00% | 2.44% | 0.21% |
| Q1 2025 | $3.15B | $2.71B | $2.36B | $231.0M | $7.4M | 0.95% | 2.41% | 0.21% |
| Q4 2024 | $3.12B | $2.73B | $2.32B | $223.5M | $28.0M | 0.93% | 2.25% | 0.17% |
| Q3 2024 | $3.11B | $2.70B | $2.28B | $227.9M | $20.5M | 0.91% | 2.19% | 0.10% |
Loan mix (Q2 2026): real estate $1.90B · commercial $392.2M · consumer $20.0M · securities $628.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 1.26% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 14.9% | 12.2% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.82% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.2% | 59.0% | 26th |
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% |
The full ratio pack is part of CharterBench Pro.