| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +4.4% | -2.2 pts |
| Deposit growth (YoY) | +2.3% | +4.0% | -1.7 pts |
| Loan growth (YoY) | +21.4% | +5.6% | +15.8 pts |
| ROA | 0.64% | 1.24% | -0.6 pts |
| ROE | 5.2% | 11.9% | -6.7 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $305.6M | $249.3M | $198.6M | $38.0M | $975K | 0.64% | 3.88% | 0.86% |
| Q1 2026 | $304.6M | $251.3M | $190.8M | $37.6M | $500K | 0.66% | 3.98% | 1.68% |
| Q4 2025 | $301.9M | $246.7M | $184.6M | $37.3M | $1.8M | 0.61% | 3.63% | 0.80% |
| Q3 2025 | $301.1M | $248.1M | $161.0M | $36.4M | $1.2M | 0.55% | 3.59% | 0.88% |
| Q2 2025 | $299.0M | $243.8M | $163.6M | $35.4M | $764K | 0.52% | 3.54% | 2.81% |
| Q1 2025 | $296.8M | $247.0M | $167.6M | $35.1M | $428K | 0.58% | 3.75% | 0.99% |
| Q4 2024 | $294.2M | $248.5M | $172.9M | $33.9M | $1.5M | 0.52% | 3.38% | 1.89% |
| Q3 2024 | $290.5M | $247.4M | $176.5M | $34.1M | $1.0M | 0.48% | 3.48% | 0.99% |
Loan mix (Q2 2026): real estate $157.8M · commercial $33.0M · consumer $1.4M · securities $48.6M
| Ratio | First Secure State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 1.24% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 11.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.9% | 62.9% | 78th |
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 Secure State 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 Secure State 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 Secure State 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 Secure State 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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