| Metric | FNBT BANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +4.9% | -1.9 pts |
| Deposit growth (YoY) | +3.1% | +4.3% | -1.2 pts |
| Loan growth (YoY) | -7.5% | +5.3% | -12.8 pts |
| ROA | 1.51% | 1.28% | +0.2 pts |
| ROE | 13.9% | 12.4% | +1.5 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $628.5M | $555.9M | $239.2M | $70.8M | $4.8M | 1.51% | 3.23% | 0.00% |
| Q1 2026 | $653.6M | $583.4M | $246.9M | $68.4M | $2.5M | 1.54% | 3.21% | 0.00% |
| Q4 2025 | $635.4M | $565.8M | $254.8M | $68.0M | $12.5M | 2.04% | 3.61% | 0.00% |
| Q3 2025 | $614.5M | $543.1M | $262.0M | $68.8M | $9.4M | 2.06% | 3.65% | 0.00% |
| Q2 2025 | $610.1M | $539.2M | $258.5M | $67.9M | $6.4M | 2.12% | 3.64% | 0.00% |
| Q1 2025 | $600.6M | $530.3M | $258.9M | $67.7M | $3.3M | 2.18% | 3.64% | 0.00% |
| Q4 2024 | $599.7M | $533.4M | $259.1M | $64.4M | $13.8M | 2.35% | 3.94% | 0.00% |
| Q3 2024 | $586.9M | $519.1M | $256.8M | $63.9M | $10.3M | 2.34% | 3.97% | 0.00% |
Loan mix (Q2 2026): real estate $233.3M · commercial $6.7M · consumer $2.8M · securities $106.5M
| Ratio | FNBT BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.51% | 1.28% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 12.4% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.1% | 61.2% | 47th |
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 | FNBT 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 | FNBT 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 | FNBT 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 | FNBT 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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