| Metric | FNB Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +4.4% | -3.1 pts |
| Deposit growth (YoY) | +0.4% | +4.0% | -3.5 pts |
| Loan growth (YoY) | +14.4% | +5.6% | +8.8 pts |
| ROA | 1.14% | 1.24% | -0.1 pts |
| ROE | 11.9% | 11.9% | +0.1 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $480.2M | $430.3M | $298.7M | $46.4M | $2.8M | 1.14% | 4.03% | 2.09% |
| Q1 2026 | $496.3M | $446.3M | $280.2M | $46.6M | $1.2M | 1.00% | 3.82% | 2.13% |
| Q4 2025 | $475.3M | $426.4M | $275.6M | $45.4M | $3.5M | 0.74% | 3.63% | 2.19% |
| Q3 2025 | $471.4M | $423.2M | $265.5M | $44.6M | $2.7M | 0.75% | 3.62% | 2.12% |
| Q2 2025 | $474.1M | $428.4M | $261.1M | $42.6M | $1.8M | 0.76% | 3.59% | 1.92% |
| Q1 2025 | $482.4M | $437.3M | $264.5M | $42.1M | $799K | 0.69% | 3.54% | 1.75% |
| Q4 2024 | $447.2M | $403.4M | $271.4M | $39.3M | $3.5M | 0.72% | 3.43% | 2.10% |
| Q3 2024 | $463.7M | $400.0M | $276.9M | $41.2M | $2.4M | 0.63% | 3.39% | 2.46% |
Loan mix (Q2 2026): real estate $242.6M · commercial $37.8M · consumer $17.8M · securities $132.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | FNB Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 1.24% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 11.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.4% | 62.9% | 79th |
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 Community 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 Community 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 Community 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 Community 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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