| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.4% | +2.1 pts |
| Deposit growth (YoY) | +5.7% | +4.0% | +1.8 pts |
| Loan growth (YoY) | +22.4% | +5.6% | +16.8 pts |
| ROA | 1.05% | 1.24% | -0.2 pts |
| ROE | 17.6% | 11.9% | +5.7 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $139.6M | $130.5M | $39.9M | $8.4M | $751K | 1.05% | 2.55% | 0.10% |
| Q1 2026 | $143.6M | $134.3M | $36.3M | $8.6M | $464K | 1.28% | 2.53% | 0.10% |
| Q4 2025 | $146.5M | $137.2M | $37.3M | $8.6M | $745K | 0.55% | 2.43% | 0.11% |
| Q3 2025 | $130.5M | $121.2M | $36.7M | $8.6M | $926K | 0.94% | 2.41% | 0.12% |
| Q2 2025 | $131.1M | $123.4M | $32.6M | $7.1M | $586K | 0.88% | 2.34% | 0.14% |
| Q1 2025 | $133.9M | $126.5M | $31.8M | $6.7M | $290K | 0.87% | 2.28% | 0.11% |
| Q4 2024 | $132.4M | $126.5M | $32.1M | $5.2M | $440K | 0.35% | 2.23% | 0.12% |
| Q3 2024 | $120.9M | $112.6M | $29.3M | $7.7M | $740K | 0.80% | 2.22% | 0.12% |
Loan mix (Q2 2026): real estate $15.5M · commercial $5.7M · consumer $6.7M · securities $79.3M
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 1.24% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 17.6% | 11.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.55% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.0% | 62.9% | 42th |
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 | First 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 | First 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 | First 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 | First 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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