| Metric | FMB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +3.0% | +3.5 pts |
| Deposit growth (YoY) | +5.8% | +2.5% | +3.3 pts |
| Loan growth (YoY) | +2.6% | +2.6% | -0.0 pts |
| ROA | 0.22% | 0.99% | -0.8 pts |
| ROE | 3.1% | 8.1% | -5.0 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 | $51.2M | $47.6M | $15.2M | $3.5M | $54K | 0.22% | 3.48% | 0.00% |
| Q1 2026 | $53.2M | $49.5M | $13.5M | $3.5M | $28K | 0.24% | 3.50% | 0.00% |
| Q4 2025 | $40.9M | $37.3M | $13.1M | $3.5M | $231K | 0.52% | 3.60% | 0.01% |
| Q3 2025 | $42.8M | $39.2M | $14.2M | $3.4M | $212K | 0.62% | 3.58% | 0.01% |
| Q2 2025 | $48.1M | $45.0M | $14.8M | $3.0M | $25K | 0.11% | 3.31% | 0.00% |
| Q1 2025 | $50.2M | $47.1M | $14.1M | $2.9M | $10K | 0.09% | 3.25% | 0.02% |
| Q4 2024 | $42.0M | $39.2M | $13.5M | $2.7M | $-5K | -0.01% | 2.92% | 0.04% |
| Q3 2024 | $44.0M | $39.2M | $14.5M | $3.0M | $39K | 0.11% | 2.90% | 0.03% |
Loan mix (Q2 2026): real estate $13.1M · commercial $1.0M · consumer $1.1M · securities $21.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | FMB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.99% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 8.1% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.2% | 70.8% | 82th |
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 | FMB 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 | FMB 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 | FMB 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 | FMB 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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