| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +3.0% | +5.5 pts |
| Deposit growth (YoY) | +9.1% | +2.5% | +6.6 pts |
| Loan growth (YoY) | +1.3% | +2.6% | -1.3 pts |
| ROA | 1.62% | 0.99% | +0.6 pts |
| ROE | 16.4% | 8.1% | +8.4 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $58.2M | $51.9M | $20.9M | $6.0M | $487K | 1.62% | 5.10% | 0.14% |
| Q1 2026 | $60.8M | $54.7M | $20.2M | $5.8M | $248K | 1.63% | 5.06% | 0.07% |
| Q4 2025 | $61.1M | $54.9M | $20.3M | $5.9M | $845K | 1.47% | 5.58% | 0.43% |
| Q3 2025 | $58.5M | $52.2M | $20.9M | $6.0M | $567K | 1.33% | 5.70% | 0.40% |
| Q2 2025 | $53.6M | $47.5M | $20.6M | $5.6M | $614K | 2.18% | 5.66% | 0.86% |
| Q1 2025 | $56.5M | $50.9M | $20.8M | $5.2M | $294K | 2.04% | 5.67% | 0.80% |
| Q4 2024 | $58.6M | $53.5M | $20.8M | $4.7M | $823K | 1.37% | 5.18% | 0.88% |
| Q3 2024 | $56.7M | $51.1M | $20.3M | $5.3M | $502K | 1.11% | 5.10% | 0.97% |
Loan mix (Q2 2026): real estate $16.1M · commercial $1.7M · consumer $1.4M · securities $29.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 0.99% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 16.4% | 8.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.10% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 70.8% | 38th |
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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