| Metric | Five Points Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +5.5% | +2.0 pts |
| Deposit growth (YoY) | +7.3% | +5.1% | +2.3 pts |
| Loan growth (YoY) | +11.3% | +5.9% | +5.4 pts |
| ROA | 1.45% | 1.26% | +0.2 pts |
| ROE | 19.6% | 12.2% | +7.5 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.24B | $2.04B | $1.39B | $165.3M | $15.7M | 1.45% | 3.09% | 0.00% |
| Q1 2026 | $2.10B | $1.91B | $1.29B | $159.9M | $8.0M | 1.50% | 3.00% | 0.03% |
| Q4 2025 | $2.15B | $1.96B | $1.28B | $154.7M | $30.8M | 1.47% | 2.91% | 0.02% |
| Q3 2025 | $2.08B | $1.89B | $1.27B | $148.6M | $24.0M | 1.53% | 2.85% | 0.02% |
| Q2 2025 | $2.09B | $1.90B | $1.25B | $140.1M | $16.3M | 1.56% | 2.80% | 0.03% |
| Q1 2025 | $2.09B | $1.91B | $1.21B | $137.9M | $7.2M | 1.38% | 2.69% | 0.42% |
| Q4 2024 | $2.10B | $1.93B | $1.19B | $130.9M | $20.6M | 1.01% | 2.48% | 0.03% |
| Q3 2024 | $2.01B | $1.84B | $1.18B | $132.1M | $15.3M | 1.00% | 2.42% | 0.03% |
Loan mix (Q2 2026): real estate $954.0M · commercial $370.4M · consumer $9.7M · securities $553.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Five Points Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 1.26% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 19.6% | 12.2% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.0% | 59.0% | 35th |
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 | Five Points 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 | Five Points 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 | Five Points 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 | Five Points 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.