| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.8% | +4.4% | +6.5 pts |
| Deposit growth (YoY) | +10.7% | +4.0% | +6.8 pts |
| Loan growth (YoY) | +4.9% | +5.6% | -0.7 pts |
| ROA | 1.65% | 1.24% | +0.4 pts |
| ROE | 11.8% | 11.9% | -0.1 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $249.1M | $213.1M | $112.1M | $34.4M | $2.0M | 1.65% | 4.76% | 0.01% |
| Q1 2026 | $239.9M | $205.1M | $113.1M | $33.4M | $1.0M | 1.77% | 4.85% | 0.01% |
| Q4 2025 | $225.3M | $191.4M | $109.4M | $32.7M | $4.2M | 1.93% | 5.02% | 0.02% |
| Q3 2025 | $218.4M | $184.6M | $107.6M | $31.7M | $3.2M | 1.93% | 5.10% | 0.02% |
| Q2 2025 | $224.8M | $192.4M | $106.8M | $30.5M | $2.1M | 1.91% | 5.02% | 0.02% |
| Q1 2025 | $219.6M | $188.2M | $104.9M | $29.6M | $1.0M | 1.92% | 5.04% | 0.02% |
| Q4 2024 | $207.5M | $177.5M | $102.7M | $28.5M | $5.1M | 2.50% | 5.05% | 0.06% |
| Q3 2024 | $205.4M | $174.0M | $94.3M | $29.4M | $4.3M | 2.82% | 5.10% | 0.06% |
Loan mix (Q2 2026): real estate $104.6M · commercial $4.1M · consumer $885K · securities $57.7M
| Ratio | First National Bank USA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.65% | 1.24% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 11.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.76% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.3% | 62.9% | 25th |
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 USA | 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 USA | 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 USA | 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 USA | 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 USA | 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.
2 branches in 2 counties across 1 state (+0 vs 2024) · $192.4M branch deposits. Biggest market: St. Charles, LA, ranked 3rd with 18.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Charles, LA | 1 | $150.9M | 18.87% | 3rd |
| St. John the Baptist, LA | 1 | $41.5M | 7.85% | 6th |
Louisiana: 99th with 0.13% · New Orleans-Metairie metro: 21st, 0.50% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2