| Metric | 1st State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +4.4% | +0.3 pts |
| Deposit growth (YoY) | +9.6% | +4.0% | +5.6 pts |
| Loan growth (YoY) | +1.3% | +5.6% | -4.3 pts |
| ROA | 1.35% | 1.24% | +0.1 pts |
| ROE | 11.4% | 11.9% | -0.5 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $490.1M | $428.8M | $318.3M | $58.7M | $3.3M | 1.35% | 4.32% | 0.31% |
| Q1 2026 | $484.2M | $424.9M | $311.4M | $57.2M | $1.7M | 1.37% | 4.32% | 0.42% |
| Q4 2025 | $480.5M | $420.0M | $313.2M | $56.5M | $6.5M | 1.40% | 4.39% | 0.44% |
| Q3 2025 | $461.8M | $399.1M | $311.5M | $54.5M | $4.6M | 1.34% | 4.35% | 0.41% |
| Q2 2025 | $468.2M | $391.3M | $314.2M | $52.2M | $2.8M | 1.25% | 4.26% | 0.43% |
| Q1 2025 | $449.2M | $394.1M | $293.3M | $50.9M | $1.3M | 1.17% | 4.17% | 0.65% |
| Q4 2024 | $451.9M | $398.1M | $278.7M | $49.2M | $5.1M | 1.09% | 3.99% | 0.54% |
| Q3 2024 | $462.1M | $408.7M | $278.8M | $48.9M | $3.6M | 1.00% | 3.95% | 0.55% |
Loan mix (Q2 2026): real estate $215.7M · commercial $107.4M · consumer $255K · securities $61.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | 1st State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.24% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 11.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.9% | 62.9% | 44th |
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 | 1st 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 | 1st 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 | 1st 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 | 1st 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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