| Metric | FNB Washington | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +3.0% | +1.0 pts |
| Deposit growth (YoY) | +6.8% | +2.5% | +4.3 pts |
| Loan growth (YoY) | +0.9% | +2.6% | -1.7 pts |
| ROA | 1.94% | 0.99% | +0.9 pts |
| ROE | 7.6% | 8.1% | -0.5 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 | $87.8M | $57.4M | $40.6M | $22.4M | $847K | 1.94% | 3.96% | 0.08% |
| Q1 2026 | $88.1M | $56.6M | $40.5M | $22.5M | $435K | 1.99% | 3.94% | 0.20% |
| Q4 2025 | $86.6M | $56.0M | $41.4M | $22.2M | $1.5M | 1.69% | 3.73% | 0.24% |
| Q3 2025 | $83.2M | $52.1M | $38.7M | $21.9M | $1.1M | 1.77% | 3.68% | 1.56% |
| Q2 2025 | $84.5M | $53.7M | $40.2M | $21.5M | $774K | 1.78% | 3.65% | 0.41% |
| Q1 2025 | $91.0M | $57.3M | $39.0M | $21.5M | $396K | 1.80% | 3.61% | 0.30% |
| Q4 2024 | $85.0M | $56.2M | $39.2M | $20.8M | $1.3M | 1.53% | 3.44% | 0.25% |
| Q3 2024 | $88.1M | $56.6M | $38.4M | $20.9M | $1.0M | 1.58% | 3.38% | 0.22% |
Loan mix (Q2 2026): real estate $37.1M · commercial $1.7M · consumer $1.8M · securities $36.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | FNB Washington | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.94% | 0.99% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 8.1% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.5% | 70.8% | 9th |
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 Washington | 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 Washington | 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 Washington | 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 Washington | 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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