| Metric | Florence Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +5.5% | -1.7 pts |
| Deposit growth (YoY) | +6.0% | +5.1% | +0.9 pts |
| Loan growth (YoY) | +6.5% | +5.9% | +0.6 pts |
| ROA | 0.72% | 1.26% | -0.5 pts |
| ROE | 6.8% | 12.2% | -5.3 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.01B | $1.79B | $1.27B | $216.4M | $7.3M | 0.72% | 2.85% | 0.29% |
| Q1 2026 | $2.02B | $1.78B | $1.24B | $212.7M | $3.3M | 0.66% | 2.77% | 0.30% |
| Q4 2025 | $2.01B | $1.75B | $1.23B | $208.8M | $12.2M | 0.62% | 2.72% | 0.13% |
| Q3 2025 | $1.95B | $1.69B | $1.21B | $205.9M | $9.7M | 0.66% | 2.71% | 0.16% |
| Q2 2025 | $1.94B | $1.68B | $1.19B | $199.3M | $6.3M | 0.64% | 2.66% | 0.13% |
| Q1 2025 | $1.97B | $1.71B | $1.18B | $194.3M | $2.7M | 0.54% | 2.54% | 0.19% |
| Q4 2024 | $1.96B | $1.69B | $1.18B | $183.5M | $10.9M | 0.53% | 2.31% | 0.18% |
| Q3 2024 | $2.14B | $1.65B | $1.16B | $190.5M | $8.8M | 0.57% | 2.27% | 0.14% |
Loan mix (Q2 2026): real estate $1.24B · commercial $38.9M · consumer $133K · securities $578.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Florence Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 1.26% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 12.2% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.3% | 59.0% | 76th |
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 | Florence 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 | Florence 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 | Florence 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 | Florence 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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