| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.8% | +3.0% | -7.8 pts |
| Deposit growth (YoY) | -4.8% | +2.5% | -7.3 pts |
| Loan growth (YoY) | -4.3% | +2.6% | -6.9 pts |
| ROA | 0.41% | 0.99% | -0.6 pts |
| ROE | 3.4% | 8.1% | -4.7 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $46.8M | $39.8M | $29.6M | $5.6M | $94K | 0.41% | 3.38% | 0.00% |
| Q1 2026 | $45.5M | $38.6M | $28.2M | $5.5M | $46K | 0.41% | 3.40% | 0.00% |
| Q4 2025 | $43.7M | $36.8M | $28.6M | $5.7M | $235K | 0.50% | 3.50% | 0.00% |
| Q3 2025 | $44.7M | $37.1M | $31.6M | $5.7M | $233K | 0.65% | 3.43% | 0.00% |
| Q2 2025 | $49.1M | $41.8M | $31.0M | $5.6M | $155K | 0.63% | 3.33% | 0.00% |
| Q1 2025 | $50.9M | $44.1M | $30.4M | $5.4M | $72K | 0.59% | 3.25% | 0.00% |
| Q4 2024 | $47.4M | $40.6M | $28.9M | $5.5M | $239K | 0.50% | 3.24% | 0.00% |
| Q3 2024 | $47.6M | $40.4M | $30.2M | $5.5M | $217K | 0.61% | 3.20% | 0.00% |
Loan mix (Q2 2026): real estate $18.5M · commercial $2.1M · consumer $405K · securities $3.7M
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.99% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 8.1% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.6% | 70.8% | 75th |
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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