| Metric | First Nations Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +4.9% | -7.3 pts |
| Deposit growth (YoY) | -3.9% | +4.3% | -8.2 pts |
| Loan growth (YoY) | -7.1% | +5.3% | -12.5 pts |
| ROA | 1.11% | 1.28% | -0.2 pts |
| ROE | 8.2% | 12.4% | -4.3 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $536.6M | $440.6M | $411.8M | $75.1M | $3.0M | 1.11% | 3.28% | 0.10% |
| Q1 2026 | $544.2M | $441.7M | $411.1M | $73.7M | $1.5M | 1.09% | 3.28% | 0.10% |
| Q4 2025 | $540.4M | $441.7M | $430.0M | $72.4M | $6.0M | 1.12% | 3.18% | 0.10% |
| Q3 2025 | $525.1M | $435.4M | $431.3M | $70.6M | $4.3M | 1.06% | 3.14% | 0.00% |
| Q2 2025 | $549.7M | $458.4M | $443.3M | $69.1M | $2.7M | 0.98% | 3.03% | 0.00% |
| Q1 2025 | $542.8M | $449.0M | $435.6M | $67.8M | $1.2M | 0.91% | 2.95% | 0.00% |
| Q4 2024 | $533.6M | $447.1M | $431.3M | $66.8M | $4.3M | 0.82% | 2.73% | 0.00% |
| Q3 2024 | $522.8M | $435.1M | $418.4M | $65.6M | $2.9M | 0.74% | 2.69% | 0.00% |
Loan mix (Q2 2026): real estate $389.7M · commercial $26.7M · consumer $2.9M · securities $22.9M
| Ratio | First Nations Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.28% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 12.4% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.6% | 61.2% | 24th |
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 Nations 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 Nations 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 Nations 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 Nations 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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