| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +4.4% | -3.1 pts |
| Deposit growth (YoY) | +0.8% | +4.0% | -3.1 pts |
| Loan growth (YoY) | -8.2% | +5.6% | -13.8 pts |
| ROA | 0.25% | 1.24% | -1.0 pts |
| ROE | 2.8% | 11.9% | -9.1 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $160.6M | $145.3M | $74.4M | $14.1M | $99K | 0.25% | 2.76% | 0.06% |
| Q4 2025 | $156.4M | $140.7M | $74.6M | $14.3M | $-136K | -0.09% | 2.73% | 0.05% |
| Q3 2025 | $154.7M | $139.4M | $75.6M | $13.9M | $-301K | -0.25% | 2.73% | 0.00% |
| Q2 2025 | $161.0M | $146.5M | $77.7M | $13.2M | $-270K | -0.34% | 2.69% | 0.00% |
| Q1 2025 | $158.7M | $144.1M | $81.0M | $13.1M | $-287K | -0.73% | 2.51% | 0.01% |
| Q4 2024 | $155.8M | $141.5M | $83.1M | $12.9M | $-303K | -0.20% | 2.88% | 0.47% |
| Q3 2024 | $146.4M | $131.2M | $84.2M | $13.8M | $-84K | -0.08% | 3.00% | 0.61% |
Loan mix (Q1 2026): real estate $63.8M · commercial $8.8M · consumer $2.5M · securities $35.4M
| Ratio | First Neighborhood Bank | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 1.24% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 11.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.76% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.7% | 62.9% | 94th |
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 Neighborhood Bank | Trend (7q) | 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 Neighborhood Bank | Trend (7q) | 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 Neighborhood Bank | Trend (7q) | 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 Neighborhood Bank | Trend (7q) | 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.