| Metric | NewFirst National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.9% | -2.0 pts |
| Deposit growth (YoY) | +2.5% | +4.3% | -1.8 pts |
| Loan growth (YoY) | -1.5% | +5.3% | -6.8 pts |
| ROA | 3.27% | 1.28% | +2.0 pts |
| ROE | 27.2% | 12.4% | +14.7 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $934.9M | $810.9M | $685.7M | $115.7M | $15.5M | 3.27% | 5.28% | 0.17% |
| Q1 2026 | $956.0M | $833.2M | $683.7M | $115.3M | $7.7M | 3.23% | 5.27% | 0.51% |
| Q4 2025 | $944.4M | $824.3M | $681.5M | $110.6M | $32.1M | 3.45% | 5.43% | 0.74% |
| Q3 2025 | $927.8M | $808.3M | $668.2M | $111.0M | $23.7M | 3.41% | 5.46% | 0.14% |
| Q2 2025 | $908.4M | $790.8M | $695.9M | $109.7M | $15.4M | 3.31% | 5.41% | 0.27% |
| Q1 2025 | $950.2M | $832.3M | $708.8M | $110.9M | $7.0M | 2.98% | 5.30% | 0.27% |
| Q4 2024 | $925.1M | $809.4M | $681.7M | $106.2M | $32.1M | 3.49% | 5.47% | 0.21% |
| Q3 2024 | $912.4M | $792.4M | $676.0M | $111.5M | $24.0M | 3.49% | 5.46% | 0.24% |
Loan mix (Q2 2026): real estate $552.8M · commercial $76.3M · consumer $1.9M · securities $50.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | NewFirst National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.27% | 1.28% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 27.2% | 12.4% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.28% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.5% | 61.2% | 5th |
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 | NewFirst National 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 | NewFirst National 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 | NewFirst National 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 | NewFirst National 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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