| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.0% | +4.4% | +10.6 pts |
| Deposit growth (YoY) | +18.9% | +4.0% | +14.9 pts |
| Loan growth (YoY) | +6.1% | +5.6% | +0.5 pts |
| ROA | 1.72% | 1.24% | +0.5 pts |
| ROE | 16.9% | 11.9% | +5.1 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $402.0M | $354.3M | $287.7M | $41.4M | $3.4M | 1.72% | 4.08% | 0.96% |
| Q1 2026 | $414.5M | $365.5M | $286.6M | $39.9M | $1.7M | 1.77% | 4.09% | 0.07% |
| Q4 2025 | $366.6M | $315.0M | $284.0M | $38.9M | $6.7M | 1.91% | 4.49% | 0.18% |
| Q3 2025 | $352.2M | $301.1M | $273.3M | $37.3M | $5.1M | 1.96% | 4.50% | 0.05% |
| Q2 2025 | $349.5M | $298.0M | $271.1M | $34.9M | $3.2M | 1.89% | 4.53% | 0.08% |
| Q1 2025 | $345.5M | $297.5M | $270.1M | $33.4M | $1.5M | 1.82% | 4.47% | 0.07% |
| Q4 2024 | $334.3M | $289.7M | $258.5M | $31.7M | $5.1M | 1.61% | 4.22% | 0.10% |
| Q3 2024 | $324.0M | $269.6M | $246.8M | $31.7M | $3.3M | 1.43% | 4.14% | 0.15% |
Loan mix (Q2 2026): real estate $237.4M · commercial $36.4M · consumer $12.3M · securities $58.0M
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.72% | 1.24% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 11.9% | 77th | |
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 | 45.9% | 62.9% | 9th |
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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