| Metric | First Resource Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +47.4% | +5.5% | +41.9 pts |
| Deposit growth (YoY) | +48.5% | +5.1% | +43.4 pts |
| Loan growth (YoY) | +27.6% | +5.9% | +21.6 pts |
| ROA | 0.90% | 1.26% | -0.4 pts |
| ROE | 10.1% | 12.2% | -2.1 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.08B | $893.3M | $781.3M | $100.5M | $4.1M | 0.90% | 3.88% | 0.07% |
| Q1 2026 | $866.9M | $688.4M | $701.7M | $80.6M | $1.4M | 0.67% | 3.64% | 0.26% |
| Q4 2025 | $826.7M | $688.4M | $675.9M | $65.8M | $4.8M | 0.65% | 3.57% | 0.47% |
| Q3 2025 | $765.7M | $649.3M | $646.7M | $64.2M | $4.4M | 0.82% | 3.56% | 0.07% |
| Q2 2025 | $735.9M | $601.6M | $612.5M | $61.5M | $2.8M | 0.79% | 3.50% | 0.25% |
| Q1 2025 | $689.4M | $556.7M | $562.7M | $59.7M | $1.3M | 0.75% | 3.35% | 0.27% |
| Q4 2024 | $660.7M | $529.5M | $556.7M | $58.8M | $4.5M | 0.75% | 3.05% | 0.03% |
| Q3 2024 | $641.2M | $512.1M | $538.1M | $56.1M | $3.2M | 0.73% | 2.96% | 0.01% |
Loan mix (Q2 2026): real estate $603.4M · commercial $142.2M · consumer $8.9M · securities $169.9M
| Ratio | First Resource Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 1.26% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 12.2% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.2% | 59.0% | 66th |
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% |
The full ratio pack is part of CharterBench Pro.