| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +5.5% | -3.3 pts |
| Deposit growth (YoY) | +1.2% | +5.1% | -3.9 pts |
| Loan growth (YoY) | +0.8% | +5.9% | -5.2 pts |
| ROA | 0.80% | 1.26% | -0.5 pts |
| ROE | 9.5% | 12.2% | -2.7 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.85B | $1.66B | $942.7M | $154.7M | $7.3M | 0.80% | 4.06% | 0.65% |
| Q1 2026 | $1.81B | $1.63B | $953.2M | $151.2M | $3.3M | 0.73% | 4.03% | 0.31% |
| Q4 2025 | $1.82B | $1.63B | $984.1M | $153.3M | $21.2M | 1.18% | 3.67% | 0.49% |
| Q3 2025 | $1.84B | $1.65B | $973.1M | $146.3M | $17.3M | 1.29% | 3.50% | 0.28% |
| Q2 2025 | $1.81B | $1.64B | $935.5M | $133.0M | $17.6M | 1.98% | 3.33% | 0.83% |
| Q1 2025 | $1.77B | $1.65B | $917.5M | $114.1M | $2.2M | 0.50% | 3.24% | 0.41% |
| Q4 2024 | $1.76B | $1.65B | $911.9M | $105.2M | $2.9M | 0.16% | 3.00% | 0.24% |
| Q3 2024 | $1.75B | $1.55B | $872.7M | $124.3M | $5.6M | 0.42% | 2.96% | 0.23% |
Loan mix (Q2 2026): real estate $779.7M · commercial $110.5M · consumer $18.3M · securities $641.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 1.26% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 12.2% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 59.0% | 90th |
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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