| Metric | First National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +4.4% | +1.9 pts |
| Deposit growth (YoY) | +1.4% | +4.0% | -2.5 pts |
| Loan growth (YoY) | +4.2% | +5.6% | -1.4 pts |
| ROA | 2.18% | 1.24% | +0.9 pts |
| ROE | 12.8% | 11.9% | +1.0 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $477.8M | $380.1M | $344.3M | $86.5M | $5.2M | 2.18% | 8.18% | 1.71% |
| Q1 2026 | $484.3M | $388.4M | $338.8M | $84.7M | $2.7M | 2.26% | 8.09% | 1.74% |
| Q4 2025 | $462.5M | $380.7M | $333.8M | $70.7M | $9.5M | 2.08% | 8.71% | 1.86% |
| Q3 2025 | $452.1M | $373.3M | $325.8M | $68.4M | $7.3M | 2.14% | 8.77% | 2.15% |
| Q2 2025 | $449.4M | $374.8M | $330.6M | $65.1M | $5.0M | 2.20% | 8.85% | 1.96% |
| Q1 2025 | $459.8M | $386.1M | $331.3M | $62.7M | $2.5M | 2.18% | 8.95% | 1.11% |
| Q4 2024 | $451.8M | $381.6M | $332.0M | $59.3M | $5.4M | 1.20% | 9.37% | 1.04% |
| Q3 2024 | $445.1M | $368.8M | $323.6M | $58.3M | $2.8M | 0.85% | 9.42% | 1.05% |
Loan mix (Q2 2026): real estate $230.1M · commercial $24.7M · consumer $62.3M · securities $94.0M
| Ratio | First National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.18% | 1.24% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 11.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 8.18% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.7% | 62.9% | 9th |
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.
12 branches in 10 counties across 4 states (+0 vs 2024) · $374.8M branch deposits. Biggest market: Murray, MN, ranked 1st with 35.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Murray, MN | 3 | $149.9M | 35.60% | 1st |
| Jackson, MN | 1 | $50.3M | 16.38% | 2nd |
| Dakota, MN | 1 | $38.7M | 0.30% | 39th |
| 7 more counties with Pro → | ||||
Minnesota: 116th with 0.09% · South Dakota: 92nd with 0.00% · Illinois: 479th with 0.00% · Iowa: 318th with 0.01% · Minneapolis-St. Paul-Bloomington metro: 140th, 0.02% · Davenport-Moline-Rock Island metro: 37th, 0.25% ·
Branch count: 2022 12 · 2023 12 · 2024 12 · 2025 12