| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +45.2% | +4.4% | +40.8 pts |
| Deposit growth (YoY) | +37.6% | +4.0% | +33.7 pts |
| Loan growth (YoY) | +55.2% | +5.6% | +49.7 pts |
| ROA | 1.11% | 1.24% | -0.1 pts |
| ROE | 13.2% | 11.9% | +1.3 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 | $335.0M | $277.4M | $287.9M | $28.5M | $1.7M | 1.11% | 4.65% | 2.07% |
| Q1 2026 | $304.3M | $267.4M | $261.4M | $27.6M | $493K | 0.67% | 4.83% | 0.78% |
| Q4 2025 | $285.1M | $247.5M | $244.9M | $21.9M | $2.0M | 0.87% | 5.29% | 0.90% |
| Q3 2025 | $254.7M | $215.5M | $208.5M | $21.0M | $1.3M | 0.77% | 5.08% | 0.91% |
| Q2 2025 | $230.7M | $201.5M | $185.4M | $19.0M | $807K | 0.78% | 4.93% | 1.04% |
| Q1 2025 | $208.9M | $185.9M | $165.0M | $16.9M | $256K | 0.53% | 4.50% | 0.49% |
| Q4 2024 | $179.0M | $162.8M | $126.8M | $15.3M | $324K | 0.21% | 4.02% | 1.22% |
| Q3 2024 | $163.3M | $147.0M | $113.0M | $15.4M | $213K | 0.19% | 3.98% | 1.48% |
Loan mix (Q2 2026): real estate $130.4M · commercial $115.3M · consumer $11.3M · securities $17.6M
| Ratio | The First Security 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 | 13.2% | 11.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
83th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.8% | 62.9% | 35th |
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 First Security 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 First Security 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 First Security 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 First Security 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.