| Metric | First Service Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +22.3% | +5.5% | +16.8 pts |
| Deposit growth (YoY) | +23.8% | +5.1% | +18.8 pts |
| Loan growth (YoY) | +26.3% | +5.9% | +20.4 pts |
| ROA | 0.87% | 1.26% | -0.4 pts |
| ROE | 10.3% | 12.2% | -1.9 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.02B | $919.2M | $876.9M | $86.8M | $4.2M | 0.87% | 4.40% | 0.53% |
| Q1 2026 | $972.0M | $879.7M | $836.5M | $82.8M | $2.1M | 0.90% | 4.46% | 0.56% |
| Q4 2025 | $921.1M | $815.8M | $764.9M | $76.8M | $7.9M | 0.95% | 4.42% | 0.57% |
| Q3 2025 | $855.5M | $768.5M | $724.6M | $74.8M | $5.9M | 0.97% | 4.48% | 0.67% |
| Q2 2025 | $836.4M | $742.2M | $694.3M | $72.4M | $3.7M | 0.93% | 4.44% | 0.75% |
| Q1 2025 | $799.2M | $723.0M | $660.6M | $70.2M | $1.3M | 0.68% | 4.34% | 0.90% |
| Q4 2024 | $743.0M | $670.5M | $625.1M | $66.7M | $5.5M | 0.76% | 3.97% | 0.97% |
| Q3 2024 | $765.6M | $677.8M | $626.6M | $65.5M | $3.5M | 0.66% | 3.87% | 1.47% |
Loan mix (Q2 2026): real estate $803.6M · commercial $70.8M · consumer $5.5M · securities $39.4M
| Ratio | First Service Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 1.26% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 12.2% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.0% | 59.0% | 75th |
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 Service 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 Service 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 Service 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 Service 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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