| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +4.4% | +3.0 pts |
| Deposit growth (YoY) | +6.5% | +4.0% | +2.5 pts |
| Loan growth (YoY) | +9.3% | +5.6% | +3.7 pts |
| ROA | 2.08% | 1.24% | +0.8 pts |
| ROE | 21.5% | 11.9% | +9.6 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $424.2M | $371.9M | $388.1M | $41.2M | $4.3M | 2.08% | 4.08% | 0.00% |
| Q1 2026 | $413.4M | $368.4M | $355.7M | $40.3M | $2.2M | 2.11% | 3.88% | 0.26% |
| Q4 2025 | $409.7M | $365.8M | $363.8M | $39.2M | $5.8M | 1.45% | 3.62% | 0.00% |
| Q3 2025 | $402.9M | $340.0M | $367.4M | $39.8M | $4.6M | 1.54% | 3.51% | 0.01% |
| Q2 2025 | $395.0M | $349.3M | $355.1M | $39.9M | $3.1M | 1.52% | 3.40% | 0.01% |
| Q1 2025 | $430.3M | $381.2M | $338.3M | $38.5M | $1.4M | 1.42% | 3.15% | 0.01% |
| Q4 2024 | $380.6M | $331.4M | $342.4M | $37.5M | $3.6M | 0.95% | 3.03% | 0.01% |
| Q3 2024 | $386.7M | $324.0M | $345.8M | $37.4M | $2.9M | 1.03% | 2.98% | 0.01% |
Loan mix (Q2 2026): real estate $268.6M · commercial $63.8M · consumer $2.6M · securities $18.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.08% | 1.24% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 21.5% | 11.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.8% | 62.9% | 11th |
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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