| Metric | Freeport State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +4.4% | -6.0 pts |
| Deposit growth (YoY) | -2.6% | +4.0% | -6.6 pts |
| Loan growth (YoY) | +4.5% | +5.6% | -1.1 pts |
| ROA | 1.11% | 1.24% | -0.1 pts |
| ROE | 11.2% | 11.9% | -0.7 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $165.5M | $147.9M | $113.4M | $16.9M | $926K | 1.11% | 4.40% | 0.00% |
| Q1 2026 | $167.3M | $149.8M | $110.7M | $16.6M | $433K | 1.03% | 4.31% | 0.00% |
| Q4 2025 | $169.0M | $152.1M | $109.9M | $16.2M | $1.6M | 0.97% | 4.19% | 0.00% |
| Q3 2025 | $171.9M | $154.9M | $109.0M | $15.8M | $1.3M | 1.06% | 4.12% | 0.03% |
| Q2 2025 | $168.2M | $151.9M | $108.5M | $15.3M | $881K | 1.04% | 4.08% | 0.00% |
| Q1 2025 | $172.2M | $156.6M | $102.9M | $14.6M | $424K | 1.00% | 3.99% | 0.00% |
| Q4 2024 | $166.5M | $151.2M | $102.7M | $14.3M | $1.3M | 0.77% | 3.81% | 0.00% |
| Q3 2024 | $168.4M | $152.7M | $102.7M | $14.4M | $1.1M | 0.87% | 3.76% | 0.00% |
Loan mix (Q2 2026): real estate $73.0M · commercial $15.6M · consumer $3.9M · securities $33.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Freeport State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.24% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 11.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.4% | 62.9% | 54th |
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 | Freeport State 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 | Freeport State 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 | Freeport State 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 | Freeport State 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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