| Metric | Foresight Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +5.5% | +1.7 pts |
| Deposit growth (YoY) | +7.5% | +5.1% | +2.4 pts |
| Loan growth (YoY) | -0.9% | +5.9% | -6.8 pts |
| ROA | 1.02% | 1.26% | -0.2 pts |
| ROE | 10.4% | 12.2% | -1.8 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.71B | $1.49B | $1.10B | $169.9M | $8.7M | 1.02% | 3.62% | 0.98% |
| Q1 2026 | $1.76B | $1.54B | $1.11B | $167.8M | $4.2M | 0.97% | 3.55% | 0.74% |
| Q4 2025 | $1.66B | $1.43B | $1.13B | $165.2M | $12.6M | 0.78% | 3.44% | 0.74% |
| Q3 2025 | $1.62B | $1.39B | $1.12B | $161.4M | $9.1M | 0.75% | 3.37% | 1.44% |
| Q2 2025 | $1.60B | $1.39B | $1.11B | $144.9M | $7.3M | 0.90% | 3.32% | 1.31% |
| Q1 2025 | $334.8M | $295.3M | $222.0M | $29.5M | $754K | 0.90% | 3.36% | 2.04% |
| Q4 2024 | $338.9M | $299.4M | $228.6M | $28.7M | $2.8M | 0.82% | 3.32% | 2.54% |
| Q3 2024 | $341.9M | $302.3M | $248.7M | $29.7M | $2.2M | 0.87% | 3.38% | 2.40% |
Loan mix (Q2 2026): real estate $742.1M · commercial $185.9M · consumer $52.1M · securities $463.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Foresight Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 1.26% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 12.2% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.2% | 59.0% | 61th |
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 | Foresight 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 | Foresight 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 | Foresight 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 | Foresight Bank | 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.