| Metric | First Security Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +5.5% | -0.2 pts |
| Deposit growth (YoY) | +3.6% | +5.1% | -1.5 pts |
| Loan growth (YoY) | +7.6% | +5.9% | +1.7 pts |
| ROA | 1.85% | 1.26% | +0.6 pts |
| ROE | 13.3% | 12.2% | +1.1 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.58B | $6.80B | $4.50B | $1.21B | $78.2M | 1.85% | 3.58% | 0.08% |
| Q1 2026 | $8.40B | $6.67B | $4.46B | $1.14B | $37.5M | 1.79% | 3.53% | 0.07% |
| Q4 2025 | $8.36B | $6.56B | $4.39B | $1.19B | $148.3M | 1.81% | 3.45% | 0.09% |
| Q3 2025 | $8.46B | $6.72B | $4.32B | $1.12B | $109.6M | 1.79% | 3.39% | 0.08% |
| Q2 2025 | $8.16B | $6.57B | $4.18B | $1.01B | $71.5M | 1.77% | 3.37% | 0.09% |
| Q1 2025 | $8.08B | $6.53B | $4.10B | $999.1M | $35.8M | 1.79% | 3.28% | 0.06% |
| Q4 2024 | $7.96B | $6.47B | $4.18B | $956.1M | $128.8M | 1.62% | 3.14% | 0.10% |
| Q3 2024 | $8.25B | $6.40B | $4.07B | $1.10B | $90.5M | 1.51% | 3.06% | 0.07% |
Loan mix (Q2 2026): real estate $3.53B · commercial $814.6M · consumer $41.8M · securities $3.23B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.26% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 12.2% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.5% | 59.0% | 10th |
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% |
The full ratio pack is part of CharterBench Pro.