| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.4% | +4.4% | +11.0 pts |
| Deposit growth (YoY) | +15.2% | +4.0% | +11.2 pts |
| Loan growth (YoY) | +14.7% | +5.6% | +9.1 pts |
| ROA | 1.98% | 1.24% | +0.7 pts |
| ROE | 21.9% | 11.9% | +10.1 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $478.1M | $429.1M | $349.6M | $43.4M | $4.6M | 1.98% | 4.39% | 1.34% |
| Q1 2026 | $466.5M | $421.3M | $341.5M | $41.9M | $1.9M | 1.67% | 4.30% | 1.62% |
| Q4 2025 | $458.5M | $413.6M | $332.7M | $41.1M | $8.3M | 1.99% | 4.48% | 1.39% |
| Q3 2025 | $422.4M | $378.7M | $312.0M | $39.7M | $6.1M | 2.01% | 4.39% | 1.43% |
| Q2 2025 | $414.4M | $372.6M | $304.8M | $38.1M | $4.0M | 1.99% | 4.34% | 1.72% |
| Q1 2025 | $395.1M | $354.8M | $294.8M | $37.1M | $2.1M | 2.13% | 4.34% | 0.86% |
| Q4 2024 | $382.8M | $346.4M | $284.0M | $33.0M | $7.4M | 2.02% | 4.29% | 0.40% |
| Q3 2024 | $372.9M | $336.6M | $273.3M | $32.6M | $5.4M | 1.98% | 4.23% | 0.17% |
Loan mix (Q2 2026): real estate $253.0M · commercial $67.2M · consumer $34.4M · securities $47.3M
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.98% | 1.24% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 21.9% | 11.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.3% | 62.9% | 17th |
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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