| Metric | First Progressive Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +3.0% | -5.1 pts |
| Deposit growth (YoY) | -3.3% | +2.5% | -5.7 pts |
| Loan growth (YoY) | -5.8% | +2.6% | -8.4 pts |
| ROA | 0.02% | 0.99% | -1.0 pts |
| ROE | 0.1% | 8.1% | -8.0 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $31.6M | $22.7M | $10.2M | $8.9M | $4K | 0.02% | 3.51% | 1.27% |
| Q1 2026 | $32.7M | $23.8M | $10.3M | $8.9M | $-21K | -0.26% | 3.71% | 0.02% |
| Q4 2025 | $32.4M | $23.5M | $10.4M | $8.9M | $116K | 0.36% | 3.48% | 1.19% |
| Q3 2025 | $31.8M | $22.9M | $10.6M | $8.8M | $60K | 0.25% | 3.32% | 0.28% |
| Q2 2025 | $32.3M | $23.5M | $10.9M | $8.8M | $20K | 0.12% | 3.18% | 0.47% |
| Q1 2025 | $32.5M | $23.7M | $10.8M | $8.8M | $-15K | -0.18% | 3.19% | 0.18% |
| Q4 2024 | $32.7M | $23.9M | $10.5M | $8.8M | $151K | 0.46% | 3.35% | 0.30% |
| Q3 2024 | $32.8M | $24.0M | $10.4M | $8.7M | $118K | 0.48% | 3.37% | 0.44% |
Loan mix (Q2 2026): real estate $6.8M · commercial $2.8M · consumer $581K · securities $17.3M
| Ratio | First Progressive Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 0.99% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 8.1% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.1% | 70.8% | 69th |
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 Progressive 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 Progressive 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 Progressive 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 Progressive Bank | 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.