| Metric | First US Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +5.5% | -5.1 pts |
| Deposit growth (YoY) | +1.4% | +5.1% | -3.7 pts |
| Loan growth (YoY) | -1.2% | +5.9% | -7.1 pts |
| ROA | 0.77% | 1.26% | -0.5 pts |
| ROE | 8.1% | 12.2% | -4.1 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.15B | $1.00B | $849.8M | $109.2M | $4.4M | 0.77% | 3.51% | 0.13% |
| Q1 2026 | $1.17B | $1.05B | $833.2M | $109.5M | $2.3M | 0.79% | 3.44% | 0.16% |
| Q4 2025 | $1.16B | $1.03B | $842.3M | $109.6M | $7.5M | 0.66% | 3.58% | 0.14% |
| Q3 2025 | $1.15B | $1.01B | $856.8M | $109.6M | $5.0M | 0.60% | 3.59% | 0.19% |
| Q2 2025 | $1.14B | $990.5M | $860.0M | $108.6M | $2.7M | 0.49% | 3.55% | 0.33% |
| Q1 2025 | $1.13B | $965.2M | $837.9M | $108.5M | $2.2M | 0.78% | 3.47% | 0.44% |
| Q4 2024 | $1.10B | $975.3M | $812.9M | $106.2M | $9.6M | 0.89% | 3.63% | 0.50% |
| Q3 2024 | $1.10B | $983.1M | $793.2M | $106.4M | $7.5M | 0.93% | 3.69% | 0.60% |
Loan mix (Q2 2026): real estate $405.0M · commercial $27.4M · consumer $408.8M · securities $166.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First US Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 1.26% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 12.2% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 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 US 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 US 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 US 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 US 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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