| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +4.4% | +1.0 pts |
| Deposit growth (YoY) | +15.8% | +4.0% | +11.9 pts |
| Loan growth (YoY) | +3.2% | +5.6% | -2.4 pts |
| ROA | 0.71% | 1.24% | -0.5 pts |
| ROE | 7.6% | 11.9% | -4.2 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $141.7M | $117.8M | $61.9M | $13.4M | $506K | 0.71% | 2.23% | 0.41% |
| Q1 2026 | $138.4M | $116.6M | $63.6M | $13.1M | $274K | 0.76% | 2.16% | 0.45% |
| Q4 2025 | $148.7M | $112.8M | $65.7M | $13.3M | $872K | 0.64% | 2.05% | 0.40% |
| Q3 2025 | $135.6M | $100.4M | $61.2M | $12.7M | $615K | 0.61% | 2.03% | 0.42% |
| Q2 2025 | $134.5M | $101.7M | $60.0M | $12.1M | $388K | 0.58% | 1.96% | 0.40% |
| Q1 2025 | $132.7M | $104.5M | $58.8M | $11.7M | $146K | 0.44% | 1.91% | 0.16% |
| Q4 2024 | $135.1M | $107.0M | $60.3M | $11.0M | $493K | 0.37% | 1.53% | 0.26% |
| Q3 2024 | $132.8M | $102.1M | $57.0M | $11.7M | $283K | 0.28% | 1.40% | 0.28% |
Loan mix (Q2 2026): real estate $27.2M · commercial $22.4M · consumer $4.4M · securities $55.6M
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 1.24% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 11.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.23% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.4% | 62.9% | 33th |
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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