| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +4.4% | -5.6 pts |
| Deposit growth (YoY) | -2.5% | +4.0% | -6.5 pts |
| Loan growth (YoY) | -5.0% | +5.6% | -10.6 pts |
| ROA | 1.44% | 1.24% | +0.2 pts |
| ROE | 9.0% | 11.9% | -2.9 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $125.9M | $102.8M | $56.1M | $20.9M | $917K | 1.44% | 2.96% | 0.00% |
| Q1 2026 | $125.9M | $102.1M | $59.8M | $20.3M | $438K | 1.37% | 2.90% | 0.00% |
| Q4 2025 | $130.8M | $107.3M | $60.6M | $20.2M | $1.3M | 1.03% | 2.91% | 0.00% |
| Q3 2025 | $123.3M | $100.3M | $58.9M | $19.6M | $847K | 0.91% | 2.93% | 0.07% |
| Q2 2025 | $127.4M | $105.5M | $59.1M | $18.8M | $411K | 0.66% | 2.90% | 0.25% |
| Q1 2025 | $124.2M | $102.6M | $65.1M | $18.4M | $443K | 1.44% | 2.90% | 1.06% |
| Q4 2024 | $122.4M | $103.0M | $68.1M | $17.6M | $1.9M | 1.49% | 3.07% | 0.00% |
| Q3 2024 | $127.6M | $108.2M | $68.1M | $18.2M | $1.4M | 1.49% | 3.07% | 0.00% |
Loan mix (Q2 2026): real estate $37.8M · commercial $5.5M · consumer $952K · securities $49.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 1.24% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 11.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 37.6% | 62.9% | 2th |
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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