| Metric | First Resource Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.6% | +4.9% | +15.7 pts |
| Deposit growth (YoY) | +24.8% | +4.3% | +20.5 pts |
| Loan growth (YoY) | +16.3% | +5.3% | +11.0 pts |
| ROA | 1.37% | 1.28% | +0.1 pts |
| ROE | 16.8% | 12.4% | +4.3 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $840.9M | $749.9M | $721.1M | $69.7M | $5.6M | 1.37% | 3.98% | 0.10% |
| Q1 2026 | $811.0M | $722.6M | $700.0M | $66.8M | $2.7M | 1.31% | 3.83% | 0.37% |
| Q4 2025 | $817.3M | $730.2M | $673.5M | $64.4M | $8.5M | 1.18% | 3.69% | 0.09% |
| Q3 2025 | $724.9M | $631.7M | $650.6M | $58.0M | $6.1M | 1.17% | 3.67% | 0.00% |
| Q2 2025 | $697.2M | $600.7M | $620.1M | $55.5M | $3.7M | 1.10% | 3.57% | 0.03% |
| Q1 2025 | $675.2M | $575.0M | $600.4M | $53.5M | $1.8M | 1.06% | 3.48% | 0.04% |
| Q4 2024 | $663.5M | $553.4M | $592.9M | $51.6M | $5.5M | 0.87% | 3.35% | 0.19% |
| Q3 2024 | $651.7M | $548.4M | $578.8M | $50.7M | $4.5M | 0.95% | 3.32% | 0.00% |
Loan mix (Q2 2026): real estate $685.6M · commercial $40.9M · consumer $309K · securities $31.1M
| Ratio | First Resource Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.28% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 16.8% | 12.4% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.2% | 61.2% | 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 Resource 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 Resource 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 Resource 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 Resource 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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