| Metric | Focus Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +4.9% | -5.0 pts |
| Deposit growth (YoY) | +4.3% | +4.3% | -0.0 pts |
| Loan growth (YoY) | +0.1% | +5.3% | -5.3 pts |
| ROA | 1.67% | 1.28% | +0.4 pts |
| ROE | 14.2% | 12.4% | +1.7 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $854.1M | $679.8M | $704.4M | $103.5M | $7.3M | 1.67% | 4.58% | 0.71% |
| Q1 2026 | $885.8M | $696.1M | $699.1M | $101.9M | $3.3M | 1.50% | 4.46% | 0.44% |
| Q4 2025 | $880.7M | $669.8M | $727.9M | $103.4M | $13.5M | 1.58% | 4.53% | 0.29% |
| Q3 2025 | $861.6M | $652.4M | $714.6M | $100.8M | $9.7M | 1.53% | 4.52% | 0.29% |
| Q2 2025 | $855.0M | $651.7M | $704.0M | $98.0M | $6.0M | 1.41% | 4.47% | 0.28% |
| Q1 2025 | $842.6M | $672.3M | $691.2M | $95.8M | $3.1M | 1.48% | 4.45% | 0.27% |
| Q4 2024 | $829.0M | $644.6M | $686.8M | $95.0M | $11.7M | 1.42% | 4.25% | 0.29% |
| Q3 2024 | $837.2M | $626.8M | $696.6M | $95.0M | $8.5M | 1.38% | 4.20% | 0.21% |
Loan mix (Q2 2026): real estate $570.3M · commercial $55.6M · consumer $18.9M · securities $64.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Focus Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 1.28% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 12.4% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.58% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.4% | 61.2% | 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 | Focus 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 | Focus 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 | Focus 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 | Focus 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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