| Metric | Firstrust Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +5.5% | +2.7 pts |
| Deposit growth (YoY) | +16.3% | +5.1% | +11.3 pts |
| Loan growth (YoY) | +5.6% | +5.9% | -0.3 pts |
| ROA | 1.71% | 1.26% | +0.4 pts |
| ROE | 16.1% | 12.2% | +3.9 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.62B | $4.76B | $4.56B | $602.4M | $48.3M | 1.71% | 4.12% | 0.67% |
| Q1 2026 | $5.64B | $4.76B | $4.38B | $607.1M | $21.7M | 1.53% | 4.08% | 0.59% |
| Q4 2025 | $5.72B | $4.74B | $4.64B | $595.7M | $104.5M | 1.90% | 4.11% | 0.62% |
| Q3 2025 | $5.82B | $4.49B | $4.61B | $603.3M | $84.8M | 2.08% | 4.11% | 0.46% |
| Q2 2025 | $5.20B | $4.10B | $4.32B | $586.0M | $52.7M | 1.99% | 4.11% | 0.65% |
| Q1 2025 | $5.31B | $4.13B | $4.40B | $568.4M | $27.4M | 2.05% | 4.08% | 0.62% |
| Q4 2024 | $5.38B | $4.18B | $4.42B | $553.5M | $88.1M | 1.67% | 3.88% | 0.48% |
| Q3 2024 | $5.19B | $4.02B | $4.30B | $558.0M | $67.1M | 1.71% | 3.87% | 0.48% |
Loan mix (Q2 2026): real estate $2.95B · commercial $1.28B · consumer $248.4M · securities $459.6M
| Ratio | Firstrust Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.71% | 1.26% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 16.1% | 12.2% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.8% | 59.0% | 37th |
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 | Firstrust Savings 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 | Firstrust Savings 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 | Firstrust Savings 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 | Firstrust Savings Bank | 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.