| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +4.4% | +4.2 pts |
| Deposit growth (YoY) | +8.7% | +4.0% | +4.7 pts |
| Loan growth (YoY) | +11.8% | +5.6% | +6.3 pts |
| ROA | 1.52% | 1.24% | +0.3 pts |
| ROE | 17.8% | 11.9% | +6.0 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $308.8M | $275.9M | $166.8M | $25.6M | $2.3M | 1.52% | 3.84% | 0.00% |
| Q1 2026 | $302.7M | $269.5M | $169.6M | $25.8M | $1.0M | 1.39% | 3.74% | 0.00% |
| Q4 2025 | $291.8M | $258.8M | $165.3M | $25.5M | $4.0M | 1.40% | 3.86% | 0.00% |
| Q3 2025 | $289.1M | $256.4M | $163.1M | $24.7M | $2.7M | 1.29% | 3.81% | 0.09% |
| Q2 2025 | $284.6M | $253.8M | $149.1M | $22.8M | $1.8M | 1.29% | 3.82% | 0.09% |
| Q1 2025 | $280.8M | $250.3M | $156.0M | $22.4M | $796K | 1.15% | 3.72% | 0.03% |
| Q4 2024 | $273.1M | $243.9M | $148.0M | $21.1M | $3.9M | 1.50% | 3.87% | 0.30% |
| Q3 2024 | $272.1M | $241.1M | $140.4M | $22.6M | $2.8M | 1.46% | 3.88% | 0.26% |
Loan mix (Q2 2026): real estate $116.0M · commercial $34.2M · consumer $2.1M · securities $62.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 1.24% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 17.8% | 11.9% | 82nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.3% | 62.9% | 49th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
7 branches in 4 counties across 1 state (+0 vs 2024) · $253.8M branch deposits. Biggest market: Young, TX, ranked 3rd with 21.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Young, TX | 3 | $178.3M | 21.08% | 3rd |
| Jack, TX | 1 | $32.5M | 12.28% | 3rd |
| Throckmorton, TX | 2 | $32.4M | 11.36% | 2nd |
| 1 more county with Pro → | ||||
Texas: 353rd with 0.02% · Wichita Falls metro: 20th, 0.22% ·
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 7