| Metric | First Port City Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.9% | +2.6 pts |
| Deposit growth (YoY) | +6.4% | +4.3% | +2.1 pts |
| Loan growth (YoY) | +6.1% | +5.3% | +0.8 pts |
| ROA | 1.56% | 1.28% | +0.3 pts |
| ROE | 15.8% | 12.4% | +3.4 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $623.9M | $557.5M | $482.9M | $61.6M | $4.7M | 1.56% | 4.66% | 0.86% |
| Q1 2026 | $600.6M | $536.9M | $458.6M | $59.5M | $2.4M | 1.59% | 4.68% | 0.42% |
| Q4 2025 | $582.9M | $521.3M | $463.5M | $57.8M | $8.4M | 1.47% | 4.61% | 0.53% |
| Q3 2025 | $573.7M | $514.3M | $461.1M | $55.1M | $6.2M | 1.45% | 4.44% | 0.60% |
| Q2 2025 | $580.6M | $523.8M | $455.1M | $52.7M | $4.0M | 1.42% | 4.34% | 0.61% |
| Q1 2025 | $562.1M | $507.8M | $451.0M | $50.7M | $1.9M | 1.38% | 4.31% | 0.61% |
| Q4 2024 | $558.8M | $506.7M | $439.6M | $48.4M | $5.7M | 1.06% | 3.90% | 0.65% |
| Q3 2024 | $553.3M | $500.5M | $441.0M | $48.2M | $4.3M | 1.08% | 3.83% | 0.68% |
Loan mix (Q2 2026): real estate $435.1M · commercial $28.2M · consumer $6.2M · securities $40.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Port City Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 1.28% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 12.4% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.8% | 61.2% | 34th |
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 Port City 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 Port City 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 Port City 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 Port City 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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