| Metric | FM Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +4.9% | +4.8 pts |
| Deposit growth (YoY) | +5.6% | +4.3% | +1.3 pts |
| Loan growth (YoY) | +16.2% | +5.3% | +10.8 pts |
| ROA | 1.42% | 1.28% | +0.1 pts |
| ROE | 18.1% | 12.4% | +5.6 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $738.4M | $636.1M | $491.7M | $58.5M | $5.1M | 1.42% | 3.39% | 0.12% |
| Q1 2026 | $702.6M | $626.6M | $481.3M | $55.9M | $2.5M | 1.43% | 3.34% | 0.14% |
| Q4 2025 | $705.2M | $620.7M | $465.5M | $54.9M | $7.6M | 1.12% | 3.12% | 0.14% |
| Q3 2025 | $699.3M | $576.6M | $442.2M | $51.3M | $6.0M | 1.19% | 3.04% | 0.01% |
| Q2 2025 | $673.1M | $602.4M | $423.1M | $45.5M | $3.8M | 1.15% | 2.99% | 0.00% |
| Q1 2025 | $655.1M | $587.8M | $407.1M | $42.1M | $1.8M | 1.12% | 2.90% | 0.00% |
| Q4 2024 | $659.9M | $598.3M | $400.1M | $41.7M | $5.8M | 0.93% | 2.76% | 0.02% |
| Q3 2024 | $622.0M | $567.0M | $365.9M | $43.5M | $4.0M | 0.86% | 2.72% | 0.02% |
Loan mix (Q2 2026): real estate $284.5M · commercial $35.6M · consumer $4.3M · securities $201.1M
| Ratio | FM Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.28% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 18.1% | 12.4% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.4% | 61.2% | 23th |
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 | FM 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 | FM 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 | FM 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 | FM 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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