| Metric | FNNB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.4% | -0.6 pts |
| Deposit growth (YoY) | +2.7% | +4.0% | -1.3 pts |
| Loan growth (YoY) | +15.9% | +5.6% | +10.3 pts |
| ROA | 1.41% | 1.24% | +0.2 pts |
| ROE | 16.3% | 11.9% | +4.4 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $109.5M | $89.3M | $77.7M | $9.1M | $742K | 1.41% | 4.55% | 0.40% |
| Q1 2026 | $104.6M | $84.9M | $72.5M | $9.2M | $309K | 1.19% | 4.46% | 0.41% |
| Q4 2025 | $102.3M | $90.0M | $68.1M | $9.1M | $1.0M | 0.99% | 4.09% | 0.00% |
| Q3 2025 | $104.1M | $91.7M | $66.9M | $8.8M | $781K | 0.99% | 4.02% | 0.00% |
| Q2 2025 | $105.4M | $86.9M | $67.1M | $8.2M | $474K | 0.90% | 3.87% | 0.00% |
| Q1 2025 | $104.1M | $87.4M | $63.7M | $8.0M | $217K | 0.82% | 3.79% | 0.00% |
| Q4 2024 | $107.0M | $93.4M | $63.0M | $7.5M | $667K | 0.60% | 3.29% | 0.00% |
| Q3 2024 | $108.1M | $91.0M | $63.9M | $7.8M | $455K | 0.54% | 3.20% | 0.00% |
Loan mix (Q2 2026): real estate $56.7M · commercial $15.6M · consumer $794K · securities $23.2M
| Ratio | FNNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.24% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 16.3% | 11.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.4% | 62.9% | 60th |
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 | FNNB 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 | FNNB 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 | FNNB 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 | FNNB 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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