| Metric | Frandsen Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +5.5% | -2.9 pts |
| Deposit growth (YoY) | +2.8% | +5.1% | -2.3 pts |
| Loan growth (YoY) | -0.0% | +5.9% | -6.0 pts |
| ROA | 1.82% | 1.26% | +0.6 pts |
| ROE | 15.7% | 12.2% | +3.5 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.66B | $3.13B | $2.49B | $431.5M | $33.4M | 1.82% | 4.21% | 0.70% |
| Q1 2026 | $3.69B | $3.14B | $2.47B | $426.1M | $15.0M | 1.63% | 3.98% | 0.98% |
| Q4 2025 | $3.70B | $3.15B | $2.49B | $419.0M | $53.4M | 1.48% | 3.96% | 0.69% |
| Q3 2025 | $3.60B | $3.08B | $2.48B | $399.5M | $37.7M | 1.40% | 3.91% | 1.14% |
| Q2 2025 | $3.56B | $3.05B | $2.49B | $371.0M | $26.6M | 1.49% | 3.86% | 0.58% |
| Q1 2025 | $3.59B | $3.07B | $2.45B | $367.8M | $13.1M | 1.46% | 3.71% | 0.59% |
| Q4 2024 | $3.57B | $3.05B | $2.48B | $348.0M | $47.0M | 1.35% | 3.59% | 0.53% |
| Q3 2024 | $3.51B | $2.98B | $2.45B | $366.1M | $35.2M | 1.35% | 3.57% | 0.12% |
Loan mix (Q2 2026): real estate $1.96B · commercial $308.3M · consumer $65.3M · securities $741.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Frandsen Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.82% | 1.26% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 12.2% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.1% | 59.0% | 35th |
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 | Frandsen Bank & Trust | 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 | Frandsen Bank & Trust | 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 | Frandsen Bank & Trust | 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 | Frandsen Bank & Trust | 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.