| Metric | Founders Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +4.4% | +4.4 pts |
| Deposit growth (YoY) | +9.7% | +4.0% | +5.7 pts |
| Loan growth (YoY) | +6.0% | +5.6% | +0.4 pts |
| ROA | 0.54% | 1.24% | -0.7 pts |
| ROE | 3.8% | 11.9% | -8.0 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $406.0M | $334.7M | $333.3M | $54.6M | $1.0M | 0.54% | 4.05% | 0.00% |
| Q1 2026 | $382.4M | $312.1M | $316.9M | $54.1M | $460K | 0.50% | 4.01% | 0.00% |
| Q4 2025 | $357.4M | $292.6M | $303.2M | $53.6M | $2.0M | 0.55% | 3.84% | 0.00% |
| Q3 2025 | $384.4M | $320.2M | $310.9M | $52.4M | $1.1M | 0.40% | 3.77% | 0.00% |
| Q2 2025 | $373.5M | $305.2M | $314.4M | $51.6M | $543K | 0.30% | 3.69% | 0.00% |
| Q1 2025 | $364.5M | $297.0M | $302.8M | $51.0M | $122K | 0.14% | 3.63% | 0.00% |
| Q4 2024 | $338.7M | $267.2M | $273.1M | $50.7M | $2.2M | 0.70% | 3.53% | 0.00% |
| Q3 2024 | $331.7M | $259.3M | $263.6M | $50.3M | $2.0M | 0.84% | 3.46% | 0.00% |
Loan mix (Q2 2026): real estate $325.9M · commercial $9.3M · consumer $776K · securities $28.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Founders Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 1.24% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 11.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.1% | 62.9% | 87th |
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 | Founders 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 | Founders 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 | Founders 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 | Founders 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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