| Metric | Firstar Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.8% | +5.5% | +6.3 pts |
| Deposit growth (YoY) | +12.1% | +5.1% | +7.0 pts |
| Loan growth (YoY) | -0.6% | +5.9% | -6.5 pts |
| ROA | 1.58% | 1.26% | +0.3 pts |
| ROE | 14.3% | 12.2% | +2.2 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.24B | $1.09B | $839.0M | $135.7M | $9.5M | 1.58% | 4.93% | 0.62% |
| Q1 2026 | $1.25B | $1.11B | $870.0M | $134.2M | $4.8M | 1.63% | 5.02% | 0.57% |
| Q4 2025 | $1.11B | $961.5M | $884.3M | $127.7M | $25.0M | 2.29% | 5.40% | 0.59% |
| Q3 2025 | $1.10B | $959.8M | $858.8M | $129.1M | $13.6M | 1.67% | 5.37% | 0.55% |
| Q2 2025 | $1.11B | $973.8M | $844.2M | $126.0M | $8.3M | 1.54% | 5.30% | 0.48% |
| Q1 2025 | $1.13B | $996.3M | $833.3M | $124.6M | $4.4M | 1.66% | 5.19% | 0.50% |
| Q4 2024 | $1.00B | $868.8M | $824.3M | $121.3M | $14.1M | 1.36% | 4.88% | 0.40% |
| Q3 2024 | $1.06B | $932.5M | $826.0M | $123.4M | $10.4M | 1.33% | 4.70% | 0.38% |
Loan mix (Q2 2026): real estate $639.1M · commercial $177.7M · consumer $17.2M · securities $72.0M
| Ratio | Firstar Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 1.26% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 12.2% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.93% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.7% | 59.0% | 45th |
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 | Firstar 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 | Firstar 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 | Firstar 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 | Firstar 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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