No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $33.8M | $29.0M | $17.8M | $4.7M | $117K | 0.68% | 4.77% | 3.80% |
| Q1 2026 | $34.3M | $29.6M | $18.0M | $4.7M | $90K | 1.04% | 4.73% | 2.74% |
| Q4 2025 | $34.6M | $29.9M | $18.2M | $4.6M | $304K | 0.94% | 4.98% | 2.02% |
| Q3 2025 | $32.3M | $27.6M | $16.6M | $4.6M | $334K | 1.41% | 5.40% | 0.00% |
| Q2 2025 | $32.2M | $27.6M | $17.1M | $4.5M | $187K | 1.19% | 5.46% | 0.03% |
| Q1 2025 | $31.1M | $26.6M | $16.6M | $4.4M | $137K | 1.76% | 5.54% | 0.03% |
| Q4 2024 | $31.0M | $26.7M | $17.5M | $4.3M | $185K | 0.64% | 5.88% | 0.60% |
| Q3 2024 | $29.7M | $25.4M | $18.1M | $4.2M | $114K | 0.53% | 5.91% | 0.16% |
Loan mix (Q2 2026): real estate $12.7M · commercial $1.4M · consumer $1.8M · securities $18K
| Ratio | First Summit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.99% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 8.1% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.77% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.4% | 70.8% | 64th |
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 Summit 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 Summit 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 Summit 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 Summit 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.