| Metric | FNB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.4% | -3.0 pts |
| Deposit growth (YoY) | -1.8% | +4.0% | -5.7 pts |
| Loan growth (YoY) | +5.5% | +5.6% | -0.1 pts |
| ROA | 2.03% | 1.24% | +0.8 pts |
| ROE | 13.0% | 11.9% | +1.1 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $274.6M | $211.3M | $223.3M | $43.5M | $2.8M | 2.03% | 4.22% | 0.01% |
| Q1 2026 | $277.4M | $220.8M | $222.5M | $42.9M | $1.4M | 2.05% | 4.14% | 0.03% |
| Q4 2025 | $273.7M | $212.3M | $218.6M | $42.3M | $4.3M | 1.56% | 3.96% | 0.01% |
| Q3 2025 | $276.4M | $207.8M | $214.9M | $41.3M | $3.4M | 1.67% | 3.93% | 0.02% |
| Q2 2025 | $271.0M | $215.2M | $211.8M | $39.9M | $2.2M | 1.61% | 3.85% | 0.00% |
| Q1 2025 | $276.9M | $221.0M | $212.7M | $38.6M | $1.0M | 1.47% | 3.71% | 0.00% |
| Q4 2024 | $273.2M | $210.9M | $209.7M | $37.9M | $2.8M | 1.03% | 3.35% | 0.00% |
| Q3 2024 | $271.4M | $211.1M | $205.4M | $37.4M | $1.9M | 0.95% | 3.29% | 0.00% |
Loan mix (Q2 2026): real estate $130.3M · commercial $9.4M · consumer $1.6M · securities $33.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | FNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.03% | 1.24% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 11.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.9% | 62.9% | 22th |
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 | FNB 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 | FNB 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 | FNB 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 | FNB 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.