| Metric | FNB Coweta | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +4.4% | +3.6 pts |
| Deposit growth (YoY) | +6.8% | +4.0% | +2.8 pts |
| Loan growth (YoY) | +9.3% | +5.6% | +3.7 pts |
| ROA | 2.16% | 1.24% | +0.9 pts |
| ROE | 24.4% | 11.9% | +12.5 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $127.8M | $115.7M | $67.6M | $11.8M | $1.4M | 2.16% | 4.44% | 0.00% |
| Q1 2026 | $124.8M | $113.5M | $68.9M | $11.0M | $694K | 2.23% | 4.44% | 0.00% |
| Q4 2025 | $124.3M | $113.5M | $67.6M | $10.6M | $2.3M | 1.96% | 4.35% | 0.00% |
| Q3 2025 | $122.3M | $110.9M | $66.9M | $11.0M | $1.9M | 2.19% | 4.30% | 0.00% |
| Q2 2025 | $118.4M | $108.4M | $61.9M | $9.7M | $1.2M | 2.04% | 4.20% | 0.32% |
| Q1 2025 | $118.1M | $109.0M | $61.0M | $8.9M | $506K | 1.76% | 4.16% | 0.32% |
| Q4 2024 | $111.3M | $101.6M | $57.4M | $8.0M | $1.7M | 1.52% | 3.80% | 0.34% |
| Q3 2024 | $110.8M | $99.6M | $50.9M | $8.7M | $1.3M | 1.54% | 3.71% | 0.34% |
Loan mix (Q2 2026): real estate $55.0M · commercial $12.4M · consumer $1.1M · securities $41.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | FNB Coweta | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.16% | 1.24% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 24.4% | 11.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.7% | 62.9% | 15th |
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 Coweta | 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 Coweta | 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 Coweta | 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 Coweta | 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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