| Metric | First Tri County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +3.0% | +5.6 pts |
| Deposit growth (YoY) | +9.3% | +2.5% | +6.8 pts |
| Loan growth (YoY) | -9.7% | +2.6% | -12.3 pts |
| ROA | 0.89% | 0.99% | -0.1 pts |
| ROE | 9.2% | 8.1% | +1.2 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $78.5M | $70.7M | $46.0M | $7.5M | $340K | 0.89% | 3.59% | 0.02% |
| Q1 2026 | $75.9M | $68.3M | $46.1M | $7.3M | $168K | 0.90% | 3.58% | 0.00% |
| Q4 2025 | $74.1M | $66.5M | $49.9M | $7.3M | $338K | 0.46% | 3.63% | 0.00% |
| Q3 2025 | $72.0M | $64.3M | $51.1M | $7.4M | $355K | 0.65% | 3.60% | 0.00% |
| Q2 2025 | $72.2M | $64.7M | $50.9M | $7.3M | $224K | 0.61% | 3.42% | 0.00% |
| Q1 2025 | $71.2M | $63.8M | $48.2M | $7.1M | $79K | 0.43% | 3.24% | 0.02% |
| Q4 2024 | $75.1M | $62.8M | $51.0M | $7.1M | $76K | 0.10% | 2.79% | 0.00% |
| Q3 2024 | $76.5M | $60.0M | $51.3M | $7.1M | $136K | 0.24% | 2.84% | 0.00% |
Loan mix (Q2 2026): real estate $26.2M · commercial $6.6M · consumer $2.2M · securities $19.4M
| Ratio | First Tri County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.99% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 8.1% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.3% | 70.8% | 51th |
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 Tri County 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 Tri County 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 Tri County 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 Tri County 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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