| Metric | First National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.8% | +5.5% | +13.3 pts |
| Deposit growth (YoY) | +21.9% | +5.1% | +16.9 pts |
| Loan growth (YoY) | +14.4% | +5.9% | +8.5 pts |
| ROA | 2.50% | 1.26% | +1.2 pts |
| ROE | 11.0% | 12.2% | -1.2 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.03B | $1.51B | $1.49B | $476.5M | $25.6M | 2.50% | 7.53% | 0.56% |
| Q1 2026 | $2.05B | $1.53B | $1.46B | $465.6M | $12.9M | 2.51% | 7.44% | 0.65% |
| Q4 2025 | $2.07B | $1.57B | $1.44B | $454.0M | $41.3M | 2.24% | 7.93% | 0.74% |
| Q3 2025 | $2.04B | $1.54B | $1.44B | $443.1M | $29.9M | 2.23% | 7.95% | 0.93% |
| Q2 2025 | $1.71B | $1.24B | $1.31B | $429.8M | $19.5M | 2.29% | 8.12% | 1.09% |
| Q1 2025 | $1.70B | $1.24B | $1.28B | $421.2M | $9.9M | 2.34% | 8.08% | 1.30% |
| Q4 2024 | $1.69B | $1.23B | $1.26B | $410.2M | $32.1M | 1.93% | 8.34% | 1.25% |
| Q3 2024 | $1.66B | $1.21B | $1.25B | $405.9M | $22.6M | 1.82% | 8.37% | 1.28% |
Loan mix (Q2 2026): real estate $1.10B · commercial $166.4M · consumer $189.8M · securities $264.7M
| Ratio | First National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.50% | 1.26% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 12.2% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.53% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.4% | 59.0% | 11th |
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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