| Metric | FirstBank Southwest | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +5.5% | -4.7 pts |
| Deposit growth (YoY) | +1.6% | +5.1% | -3.5 pts |
| Loan growth (YoY) | -1.6% | +5.9% | -7.5 pts |
| ROA | 1.32% | 1.26% | +0.1 pts |
| ROE | 14.0% | 12.2% | +1.9 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.88B | $1.67B | $1.30B | $178.4M | $12.3M | 1.32% | 3.90% | 0.39% |
| Q1 2026 | $1.86B | $1.66B | $1.35B | $175.1M | $6.3M | 1.35% | 3.85% | 0.40% |
| Q4 2025 | $1.86B | $1.65B | $1.34B | $171.0M | $26.4M | 1.42% | 3.74% | 0.31% |
| Q3 2025 | $1.86B | $1.65B | $1.31B | $171.3M | $19.9M | 1.43% | 3.69% | 0.30% |
| Q2 2025 | $1.86B | $1.65B | $1.32B | $159.5M | $13.2M | 1.42% | 3.65% | 0.30% |
| Q1 2025 | $1.89B | $1.64B | $1.33B | $153.1M | $6.1M | 1.32% | 3.60% | 0.28% |
| Q4 2024 | $1.84B | $1.61B | $1.33B | $144.9M | $23.2M | 1.30% | 3.52% | 0.31% |
| Q3 2024 | $1.82B | $1.57B | $1.29B | $154.7M | $16.8M | 1.27% | 3.48% | 0.36% |
Loan mix (Q2 2026): real estate $898.6M · commercial $266.2M · consumer $26.3M · securities $244.5M
| Ratio | FirstBank Southwest | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 1.26% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 14.0% | 12.2% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.3% | 59.0% | 73th |
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 Southwest | 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 Southwest | 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 Southwest | 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 Southwest | 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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