| Metric | InFirst Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.9% | +1.6 pts |
| Deposit growth (YoY) | +5.9% | +4.3% | +1.5 pts |
| Loan growth (YoY) | +6.0% | +5.3% | +0.6 pts |
| ROA | 1.02% | 1.28% | -0.3 pts |
| ROE | 11.3% | 12.4% | -1.1 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $683.2M | $612.7M | $596.0M | $62.6M | $3.4M | 1.02% | 3.97% | 0.10% |
| Q1 2026 | $673.0M | $604.4M | $587.1M | $60.7M | $1.4M | 0.86% | 3.83% | 0.13% |
| Q4 2025 | $664.1M | $596.9M | $577.5M | $59.5M | $5.3M | 0.83% | 3.69% | 0.13% |
| Q3 2025 | $665.5M | $600.2M | $573.4M | $58.1M | $3.8M | 0.79% | 3.60% | 0.30% |
| Q2 2025 | $641.3M | $578.6M | $562.4M | $55.9M | $2.3M | 0.75% | 3.52% | 0.21% |
| Q1 2025 | $621.4M | $560.0M | $549.7M | $54.5M | $880K | 0.57% | 3.42% | 0.25% |
| Q4 2024 | $605.0M | $543.0M | $530.7M | $53.5M | $3.2M | 0.55% | 3.38% | 0.24% |
| Q3 2024 | $589.1M | $526.9M | $516.8M | $53.0M | $2.1M | 0.49% | 3.35% | 0.29% |
Loan mix (Q2 2026): real estate $535.7M · commercial $57.4M · consumer $6.3M · securities $41.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | InFirst Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 1.28% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 12.4% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 61.2% | 62th |
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 | InFirst 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 | InFirst 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 | InFirst 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 | InFirst 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.