| Metric | First Security Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.9% | +4.4% | +13.6 pts |
| Deposit growth (YoY) | +12.1% | +4.0% | +8.1 pts |
| Loan growth (YoY) | +25.5% | +5.6% | +19.9 pts |
| ROA | 1.14% | 1.24% | -0.1 pts |
| ROE | 10.1% | 11.9% | -1.8 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $151.1M | $126.0M | $122.3M | $16.9M | $837K | 1.14% | 4.17% | 0.00% |
| Q1 2026 | $148.9M | $127.1M | $119.4M | $16.6M | $355K | 0.98% | 4.03% | 0.00% |
| Q4 2025 | $139.9M | $123.0M | $109.3M | $16.4M | $1.4M | 1.08% | 3.94% | 0.26% |
| Q3 2025 | $140.1M | $123.7M | $102.5M | $16.0M | $1.0M | 1.07% | 3.91% | 0.00% |
| Q2 2025 | $128.2M | $112.4M | $97.5M | $15.4M | $701K | 1.10% | 3.85% | 0.75% |
| Q1 2025 | $127.4M | $111.8M | $93.0M | $15.2M | $332K | 1.05% | 3.72% | 0.55% |
| Q4 2024 | $126.2M | $110.8M | $92.3M | $14.9M | $1.5M | 1.28% | 3.69% | 0.00% |
| Q3 2024 | $121.8M | $106.3M | $92.2M | $15.1M | $1.2M | 1.31% | 3.70% | 0.00% |
Loan mix (Q2 2026): real estate $77.9M · commercial $16.0M · consumer $1.5M · securities $17.9M
| Ratio | First Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 1.24% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 11.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.8% | 62.9% | 59th |
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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