| Metric | First National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.4% | -0.2 pts |
| Deposit growth (YoY) | +2.6% | +4.0% | -1.4 pts |
| Loan growth (YoY) | -5.7% | +5.6% | -11.3 pts |
| ROA | 2.51% | 1.24% | +1.3 pts |
| ROE | 14.2% | 11.9% | +2.3 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 | $372.7M | $305.5M | $144.7M | $66.3M | $4.7M | 2.51% | 4.66% | 0.14% |
| Q1 2026 | $372.9M | $306.4M | $146.8M | $65.6M | $2.0M | 2.19% | 4.57% | 0.08% |
| Q4 2025 | $370.2M | $303.1M | $149.6M | $66.3M | $8.5M | 2.35% | 4.84% | 0.10% |
| Q3 2025 | $362.0M | $297.9M | $144.3M | $63.3M | $6.3M | 2.32% | 4.85% | 0.15% |
| Q2 2025 | $357.7M | $297.9M | $153.5M | $59.1M | $4.0M | 2.25% | 4.79% | 0.16% |
| Q1 2025 | $364.7M | $304.7M | $153.5M | $59.0M | $1.9M | 2.09% | 4.70% | 0.07% |
| Q4 2024 | $356.3M | $299.6M | $146.9M | $55.8M | $8.4M | 2.35% | 4.65% | 0.10% |
| Q3 2024 | $354.3M | $295.2M | $141.0M | $58.4M | $6.5M | 2.42% | 4.65% | 0.16% |
Loan mix (Q2 2026): real estate $90.8M · commercial $22.8M · consumer $24.0M · securities $181.1M
| Ratio | First National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.51% | 1.24% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 11.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.4% | 62.9% | 10th |
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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