| Metric | FNB Bank, Inc. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +4.9% | +1.8 pts |
| Deposit growth (YoY) | +6.7% | +4.3% | +2.3 pts |
| Loan growth (YoY) | +5.5% | +5.3% | +0.1 pts |
| ROA | 1.23% | 1.28% | -0.0 pts |
| ROE | 15.7% | 12.4% | +3.3 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $770.0M | $706.4M | $508.4M | $59.8M | $4.7M | 1.23% | 3.52% | 0.51% |
| Q1 2026 | $765.9M | $702.2M | $496.3M | $59.4M | $2.5M | 1.31% | 3.46% | 0.50% |
| Q4 2025 | $750.4M | $687.2M | $502.7M | $59.7M | $7.0M | 0.97% | 3.47% | 0.16% |
| Q3 2025 | $729.0M | $666.1M | $491.9M | $58.6M | $5.4M | 1.01% | 3.44% | 0.17% |
| Q2 2025 | $721.5M | $662.2M | $481.9M | $54.8M | $3.7M | 1.04% | 3.38% | 0.20% |
| Q1 2025 | $708.5M | $651.3M | $471.7M | $52.9M | $1.8M | 1.05% | 3.31% | 0.18% |
| Q4 2024 | $690.0M | $636.9M | $474.7M | $49.3M | $5.7M | 0.83% | 3.21% | 0.17% |
| Q3 2024 | $676.9M | $602.8M | $469.7M | $51.2M | $4.3M | 0.84% | 3.17% | 0.24% |
Loan mix (Q2 2026): real estate $382.0M · commercial $64.2M · consumer $47.9M · securities $176.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | FNB Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 1.28% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 12.4% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.7% | 61.2% | 36th |
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, Inc. | 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, Inc. | 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, Inc. | 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, Inc. | 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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