| Metric | FNBC Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +4.9% | -3.3 pts |
| Deposit growth (YoY) | +1.5% | +4.3% | -2.8 pts |
| Loan growth (YoY) | +10.7% | +5.3% | +5.3 pts |
| ROA | 1.18% | 1.28% | -0.1 pts |
| ROE | 12.6% | 12.4% | +0.2 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 | $581.6M | $525.1M | $324.5M | $54.0M | $3.4M | 1.18% | 3.33% | 0.02% |
| Q1 2026 | $580.4M | $523.0M | $315.1M | $54.8M | $1.2M | 0.81% | 3.21% | 0.02% |
| Q4 2025 | $597.6M | $539.7M | $310.8M | $55.0M | $4.8M | 0.82% | 2.90% | 0.00% |
| Q3 2025 | $573.8M | $518.1M | $299.5M | $52.7M | $2.9M | 0.67% | 2.82% | 0.00% |
| Q2 2025 | $572.2M | $517.1M | $293.3M | $52.3M | $1.7M | 0.60% | 2.78% | 0.00% |
| Q1 2025 | $570.3M | $518.1M | $292.8M | $49.9M | $873K | 0.61% | 2.78% | 0.00% |
| Q4 2024 | $576.2M | $527.4M | $289.6M | $46.0M | $2.5M | 0.44% | 2.57% | 0.02% |
| Q3 2024 | $567.9M | $516.7M | $298.9M | $48.3M | $2.1M | 0.50% | 2.53% | 0.03% |
Loan mix (Q2 2026): real estate $321.2M · commercial $5.8M · consumer $893K · securities $204.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | FNBC Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 1.28% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 12.4% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.9% | 61.2% | 67th |
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 | FNBC Bank & Trust | 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 | FNBC Bank & Trust | 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 | FNBC Bank & Trust | 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 | FNBC Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.