| Metric | First Security Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +4.9% | +1.5 pts |
| Deposit growth (YoY) | +2.9% | +4.3% | -1.5 pts |
| Loan growth (YoY) | +9.8% | +5.3% | +4.5 pts |
| ROA | 1.33% | 1.28% | +0.0 pts |
| ROE | 15.3% | 12.4% | +2.8 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $976.5M | $837.7M | $598.1M | $84.3M | $6.2M | 1.33% | 4.05% | 0.42% |
| Q1 2026 | $932.8M | $847.2M | $557.2M | $80.6M | $3.3M | 1.42% | 4.03% | 0.33% |
| Q4 2025 | $908.3M | $785.4M | $543.0M | $80.4M | $9.5M | 1.04% | 3.89% | 0.45% |
| Q3 2025 | $954.0M | $807.5M | $554.2M | $81.9M | $6.7M | 0.98% | 3.87% | 0.54% |
| Q2 2025 | $917.8M | $814.5M | $544.5M | $77.7M | $4.3M | 0.95% | 3.88% | 0.52% |
| Q1 2025 | $926.9M | $847.9M | $527.4M | $73.8M | $1.7M | 0.75% | 3.77% | 0.30% |
| Q4 2024 | $873.0M | $799.3M | $508.9M | $69.9M | $8.3M | 0.94% | 3.68% | 0.30% |
| Q3 2024 | $902.6M | $802.8M | $508.9M | $74.5M | $5.9M | 0.91% | 3.60% | 0.37% |
Loan mix (Q2 2026): real estate $509.0M · commercial $49.7M · consumer $22.9M · securities $290.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 1.28% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 12.4% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.7% | 61.2% | 58th |
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 Security 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 Security 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 Security 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 Security 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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