| Metric | FirsTier Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +5.5% | -5.3 pts |
| Deposit growth (YoY) | -1.2% | +5.1% | -6.3 pts |
| Loan growth (YoY) | +1.8% | +5.9% | -4.2 pts |
| ROA | 0.77% | 1.26% | -0.5 pts |
| ROE | 6.8% | 12.2% | -5.4 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 | $1.05B | $883.2M | $801.8M | $122.9M | $4.2M | 0.77% | 3.53% | 5.98% |
| Q1 2026 | $1.11B | $949.7M | $780.3M | $123.0M | $2.1M | 0.75% | 3.38% | 7.27% |
| Q4 2025 | $1.08B | $919.2M | $769.7M | $121.5M | $3.4M | 0.34% | 3.87% | 6.31% |
| Q3 2025 | $1.07B | $909.4M | $794.0M | $123.8M | $5.3M | 0.71% | 3.91% | 6.39% |
| Q2 2025 | $1.05B | $894.2M | $788.0M | $123.9M | $6.0M | 1.24% | 3.98% | 3.08% |
| Q1 2025 | $970.9M | $817.2M | $760.1M | $126.2M | $3.1M | 1.33% | 3.96% | 3.55% |
| Q4 2024 | $912.6M | $750.7M | $761.1M | $122.9M | $17.3M | 1.85% | 4.18% | 3.59% |
| Q3 2024 | $919.4M | $785.7M | $760.1M | $120.9M | $13.3M | 1.88% | 4.14% | 2.78% |
Loan mix (Q2 2026): real estate $687.3M · commercial $79.6M · consumer $8.1M · securities $95.4M
| Ratio | FirsTier 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 | 6.8% | 12.2% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.8% | 59.0% | 94th |
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 | FirsTier 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 | FirsTier 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 | FirsTier 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 | FirsTier 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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