| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +4.9% | +1.3 pts |
| Deposit growth (YoY) | +5.5% | +4.3% | +1.1 pts |
| Loan growth (YoY) | -3.2% | +5.3% | -8.6 pts |
| ROA | 1.65% | 1.28% | +0.4 pts |
| ROE | 15.3% | 12.4% | +2.8 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $761.7M | $669.5M | $473.1M | $84.4M | $6.3M | 1.65% | 4.51% | 0.51% |
| Q1 2026 | $778.6M | $687.7M | $472.3M | $83.4M | $3.0M | 1.57% | 4.38% | 0.58% |
| Q4 2025 | $762.6M | $673.5M | $483.8M | $80.9M | $11.1M | 1.52% | 4.30% | 0.58% |
| Q3 2025 | $739.3M | $652.2M | $492.2M | $78.8M | $7.9M | 1.45% | 4.21% | 0.65% |
| Q2 2025 | $717.0M | $634.8M | $488.9M | $74.6M | $5.0M | 1.39% | 4.14% | 0.23% |
| Q1 2025 | $729.2M | $649.5M | $483.0M | $72.8M | $2.5M | 1.37% | 4.03% | 0.05% |
| Q4 2024 | $706.0M | $629.7M | $475.9M | $68.7M | $8.9M | 1.24% | 3.75% | 0.06% |
| Q3 2024 | $700.8M | $608.9M | $475.9M | $68.9M | $6.6M | 1.23% | 3.68% | 0.29% |
Loan mix (Q2 2026): real estate $419.8M · commercial $29.5M · consumer $17.0M · securities $219.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.65% | 1.28% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 12.4% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.51% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.9% | 61.2% | 40th |
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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