| Metric | FirstBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +4.9% | +2.4 pts |
| Deposit growth (YoY) | +7.7% | +4.3% | +3.4 pts |
| Loan growth (YoY) | +4.2% | +5.3% | -1.2 pts |
| ROA | 1.03% | 1.28% | -0.2 pts |
| ROE | 8.7% | 12.4% | -3.7 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $684.3M | $598.3M | $408.5M | $80.1M | $3.4M | 1.03% | 5.23% | 0.54% |
| Q1 2026 | $670.2M | $584.8M | $400.2M | $79.1M | $1.4M | 0.86% | 5.15% | 0.32% |
| Q4 2025 | $644.8M | $562.0M | $391.8M | $78.3M | $7.7M | 1.20% | 5.39% | 0.25% |
| Q3 2025 | $640.6M | $555.5M | $395.4M | $79.5M | $5.7M | 1.21% | 5.40% | 0.27% |
| Q2 2025 | $637.8M | $555.4M | $392.1M | $77.2M | $3.8M | 1.21% | 5.35% | 0.15% |
| Q1 2025 | $638.6M | $558.1M | $393.2M | $75.2M | $1.9M | 1.18% | 5.28% | 0.19% |
| Q4 2024 | $623.5M | $546.1M | $394.5M | $73.1M | $7.3M | 1.19% | 5.40% | 0.14% |
| Q3 2024 | $621.6M | $542.1M | $395.0M | $74.1M | $5.4M | 1.18% | 5.38% | 0.15% |
Loan mix (Q2 2026): real estate $306.5M · commercial $34.8M · consumer $58.5M · securities $75.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | FirstBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 1.28% | 33rd | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 12.4% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.23% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.6% | 61.2% | 82nd |
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 | FirstBank | 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 | FirstBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | FirstBank | 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 | FirstBank | 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 | FirstBank | 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.
10 branches in 6 counties across 1 state (+0 vs 2024) · $555.4M branch deposits. Biggest market: McCurtain, OK, ranked 3rd with 23.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McCurtain, OK | 4 | $200.7M | 23.32% | 3rd |
| Pushmataha, OK | 2 | $154.2M | 60.55% | 1st |
| Atoka, OK | 1 | $93.1M | 28.48% | 2nd |
| 3 more counties with Pro → | ||||
Oklahoma: 48th with 0.35% ·
Branch count: 2022 10 · 2023 10 · 2024 10 · 2025 10