| Metric | FirstBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +25.8% | +5.9% | +19.9 pts |
| Deposit growth (YoY) | +25.5% | +5.7% | +19.8 pts |
| Loan growth (YoY) | +30.4% | +6.9% | +23.5 pts |
| ROA | 1.46% | 1.23% | +0.2 pts |
| ROE | 12.1% | 11.2% | +0.9 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $16.76B | $14.36B | $12.87B | $1.97B | $120.2M | 1.46% | 3.95% | 1.12% |
| Q1 2026 | $16.43B | $14.10B | $12.55B | $2.00B | $59.5M | 1.46% | 3.95% | 0.96% |
| Q4 2025 | $16.27B | $13.93B | $12.40B | $1.98B | $128.6M | 0.89% | 3.95% | 0.95% |
| Q3 2025 | $16.20B | $13.84B | $12.28B | $2.00B | $69.4M | 0.66% | 3.86% | 0.88% |
| Q2 2025 | $13.32B | $11.44B | $9.87B | $1.57B | $43.8M | 0.66% | 3.64% | 0.90% |
| Q1 2025 | $13.11B | $11.24B | $9.79B | $1.57B | $39.7M | 1.21% | 3.60% | 0.82% |
| Q4 2024 | $13.12B | $11.24B | $9.58B | $1.53B | $119.1M | 0.94% | 3.60% | 0.91% |
| Q3 2024 | $12.90B | $10.99B | $9.43B | $1.56B | $80.4M | 0.85% | 3.58% | 0.97% |
Loan mix (Q2 2026): real estate $10.11B · commercial $2.18B · consumer $572.0M · securities $1.53B
| Ratio | FirstBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 1.23% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 11.3% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.7% | 54.9% | 39th |
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 |
|---|---|---|---|---|
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% |
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