| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +3.0% | -4.1 pts |
| Deposit growth (YoY) | -1.9% | +2.5% | -4.3 pts |
| Loan growth (YoY) | +0.6% | +2.6% | -2.0 pts |
| ROA | -0.03% | 0.99% | -1.0 pts |
| ROE | -0.3% | 8.1% | -8.3 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $57.0M | $49.0M | $43.5M | $6.9M | $-9K | -0.03% | 4.42% | 4.98% |
| Q1 2026 | $58.1M | $50.8M | $44.1M | $7.0M | $117K | 0.81% | 4.46% | 2.70% |
| Q4 2025 | $58.0M | $47.4M | $44.8M | $6.9M | $136K | 0.24% | 4.31% | 2.39% |
| Q3 2025 | $59.6M | $48.8M | $45.3M | $6.9M | $219K | 0.51% | 4.31% | 2.50% |
| Q2 2025 | $57.6M | $49.9M | $43.3M | $6.8M | $136K | 0.48% | 4.30% | 1.91% |
| Q1 2025 | $57.5M | $50.7M | $41.6M | $6.7M | $92K | 0.65% | 4.21% | 1.41% |
| Q4 2024 | $56.0M | $49.5M | $42.4M | $6.5M | $145K | 0.26% | 3.95% | 1.67% |
| Q3 2024 | $55.6M | $47.7M | $41.1M | $6.7M | $212K | 0.50% | 3.96% | 2.09% |
Loan mix (Q2 2026): real estate $24.5M · commercial $2.6M · consumer $5.8M · securities $8.0M
| Ratio | The Fairmount State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.03% | 0.99% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -0.3% | 8.1% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.9% | 70.8% | 30th |
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 | The Fairmount 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 | The Fairmount 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 | The Fairmount 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 | The Fairmount 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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