| Metric | First Seacoast Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.8% | +4.9% | -9.7 pts |
| Deposit growth (YoY) | -3.6% | +4.3% | -8.0 pts |
| Loan growth (YoY) | -4.1% | +5.3% | -9.4 pts |
| ROA | -0.09% | 1.28% | -1.4 pts |
| ROE | -1.1% | 12.4% | -13.5 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $576.3M | $472.1M | $418.4M | $47.3M | $-259K | -0.09% | 2.56% | 0.02% |
| Q1 2026 | $588.8M | $478.1M | $415.0M | $46.1M | $-509K | -0.34% | 2.48% | 0.07% |
| Q4 2025 | $599.5M | $488.6M | $416.3M | $47.1M | $-840K | -0.14% | 2.39% | 0.08% |
| Q3 2025 | $609.7M | $499.2M | $430.0M | $47.0M | $-753K | -0.17% | 2.34% | 0.03% |
| Q2 2025 | $605.1M | $489.9M | $436.2M | $44.6M | $-1.1M | -0.39% | 2.33% | 0.00% |
| Q1 2025 | $592.7M | $473.3M | $444.7M | $44.7M | $-599K | -0.41% | 2.26% | 0.00% |
| Q4 2024 | $581.1M | $472.4M | $434.2M | $45.0M | $-489K | -0.08% | 2.11% | 0.00% |
| Q3 2024 | $602.1M | $467.7M | $433.3M | $48.7M | $917K | 0.21% | 2.10% | 0.00% |
Loan mix (Q2 2026): real estate $383.3M · commercial $26.8M · consumer $11.7M · securities $133.8M
| Ratio | First Seacoast Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.09% | 1.28% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -1.1% | 12.4% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.56% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 102.6% | 61.2% | 98th |
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 Seacoast 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 Seacoast 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 Seacoast 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 Seacoast 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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