| Metric | FNB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.4% | -0.5 pts |
| Deposit growth (YoY) | +11.2% | +4.0% | +7.3 pts |
| Loan growth (YoY) | -4.8% | +5.6% | -10.4 pts |
| ROA | 1.28% | 1.24% | +0.0 pts |
| ROE | 15.5% | 11.9% | +3.6 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $270.3M | $235.0M | $177.4M | $23.8M | $1.8M | 1.28% | 4.65% | 2.71% |
| Q1 2026 | $286.6M | $252.8M | $182.7M | $22.6M | $844K | 1.21% | 4.69% | 3.42% |
| Q4 2025 | $272.9M | $237.5M | $187.4M | $22.5M | $2.0M | 0.76% | 4.41% | 4.28% |
| Q3 2025 | $258.9M | $216.0M | $184.4M | $24.5M | $2.0M | 1.05% | 4.45% | 2.72% |
| Q2 2025 | $260.3M | $211.2M | $186.4M | $23.0M | $1.3M | 0.98% | 4.43% | 2.10% |
| Q1 2025 | $251.5M | $218.4M | $175.2M | $22.0M | $753K | 1.18% | 4.42% | 2.18% |
| Q4 2024 | $258.9M | $227.6M | $173.9M | $20.5M | $2.6M | 1.01% | 4.17% | 1.95% |
| Q3 2024 | $259.2M | $212.6M | $169.3M | $22.7M | $1.6M | 0.84% | 4.02% | 2.53% |
Loan mix (Q2 2026): real estate $124.3M · commercial $15.3M · consumer $1.5M · securities $70.6M
| Ratio | FNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.24% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 15.5% | 11.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.0% | 62.9% | 71th |
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% |
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