| Metric | First National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +5.5% | -2.3 pts |
| Deposit growth (YoY) | +2.6% | +5.1% | -2.4 pts |
| Loan growth (YoY) | +5.1% | +5.9% | -0.8 pts |
| ROA | 1.20% | 1.26% | -0.1 pts |
| ROE | 10.5% | 12.2% | -1.7 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.59B | $2.12B | $2.08B | $299.6M | $15.3M | 1.20% | 3.86% | 0.15% |
| Q1 2026 | $2.55B | $2.12B | $2.02B | $291.4M | $7.1M | 1.11% | 3.77% | 0.15% |
| Q4 2025 | $2.55B | $2.12B | $2.00B | $288.6M | $25.8M | 1.02% | 3.59% | 0.16% |
| Q3 2025 | $2.56B | $2.11B | $2.01B | $288.1M | $20.3M | 1.08% | 3.54% | 0.26% |
| Q2 2025 | $2.51B | $2.07B | $1.98B | $283.2M | $13.3M | 1.06% | 3.48% | 0.31% |
| Q1 2025 | $2.51B | $2.08B | $1.95B | $276.3M | $6.5M | 1.05% | 3.38% | 0.29% |
| Q4 2024 | $2.47B | $2.05B | $1.94B | $273.5M | $24.7M | 1.02% | 3.39% | 0.29% |
| Q3 2024 | $2.44B | $2.02B | $1.94B | $278.5M | $18.9M | 1.05% | 3.35% | 0.30% |
Loan mix (Q2 2026): real estate $1.75B · commercial $166.2M · consumer $47.4M · securities $179.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 1.26% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 12.2% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.4% | 59.0% | 43th |
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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