| Metric | The FNB Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.4% | -1.7 pts |
| Deposit growth (YoY) | -3.4% | +4.0% | -7.3 pts |
| Loan growth (YoY) | +15.5% | +5.6% | +9.9 pts |
| ROA | 1.29% | 1.24% | +0.1 pts |
| ROE | 13.1% | 11.9% | +1.2 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $498.9M | $423.1M | $305.7M | $49.9M | $3.2M | 1.29% | 3.70% | 0.49% |
| Q1 2026 | $492.4M | $433.4M | $297.6M | $49.0M | $1.4M | 1.13% | 3.60% | 0.07% |
| Q4 2025 | $494.0M | $439.3M | $293.4M | $48.0M | $4.7M | 0.97% | 3.39% | 0.15% |
| Q3 2025 | $483.6M | $430.9M | $272.1M | $46.2M | $3.4M | 0.94% | 3.32% | 0.10% |
| Q2 2025 | $486.1M | $437.9M | $264.8M | $41.8M | $2.2M | 0.93% | 3.24% | 0.08% |
| Q1 2025 | $474.8M | $426.7M | $260.5M | $41.7M | $726K | 0.62% | 3.10% | 0.09% |
| Q4 2024 | $469.3M | $416.6M | $262.0M | $39.5M | $3.2M | 0.66% | 2.73% | 0.17% |
| Q3 2024 | $476.3M | $414.3M | $254.6M | $43.4M | $2.2M | 0.61% | 2.66% | 0.12% |
Loan mix (Q2 2026): real estate $241.9M · commercial $29.2M · consumer $5.0M · securities $153.6M
| Ratio | The FNB Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.24% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 11.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
36th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.9% | 62.9% | 38th |
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 FNB Community 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 FNB Community 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 FNB Community 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 FNB Community 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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