| Metric | Friend Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +4.4% | +1.8 pts |
| Deposit growth (YoY) | +6.6% | +4.0% | +2.6 pts |
| Loan growth (YoY) | +7.5% | +5.6% | +1.9 pts |
| ROA | 1.67% | 1.24% | +0.4 pts |
| ROE | 12.4% | 11.9% | +0.6 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 | $221.0M | $190.9M | $139.9M | $29.4M | $1.8M | 1.67% | 4.59% | 0.33% |
| Q1 2026 | $217.8M | $187.4M | $137.2M | $28.9M | $756K | 1.40% | 4.46% | 0.44% |
| Q4 2025 | $213.0M | $182.7M | $135.7M | $29.1M | $3.2M | 1.50% | 4.54% | 0.52% |
| Q3 2025 | $213.3M | $183.3M | $133.3M | $29.0M | $2.5M | 1.62% | 4.50% | 0.51% |
| Q2 2025 | $208.2M | $179.1M | $130.2M | $28.2M | $1.7M | 1.69% | 4.52% | 0.43% |
| Q1 2025 | $209.9M | $181.2M | $128.5M | $27.8M | $780K | 1.51% | 4.30% | 0.33% |
| Q4 2024 | $204.2M | $176.2M | $125.3M | $26.9M | $5.9M | 2.96% | 4.64% | 0.45% |
| Q3 2024 | $206.9M | $178.9M | $124.2M | $27.1M | $5.2M | 3.50% | 4.61% | 0.62% |
Loan mix (Q2 2026): real estate $121.6M · commercial $10.2M · consumer $3.3M · securities $36.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Friend Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 1.24% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 11.9% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.59% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.7% | 62.9% | 52th |
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 | Friend 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 | Friend 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 | Friend 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 | Friend 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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