| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +5.5% | -3.4 pts |
| Deposit growth (YoY) | +2.3% | +5.1% | -2.8 pts |
| Loan growth (YoY) | -2.9% | +5.9% | -8.8 pts |
| ROA | 0.52% | 1.26% | -0.7 pts |
| ROE | 5.8% | 12.2% | -6.3 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.18B | $1.06B | $787.9M | $104.9M | $3.1M | 0.52% | 3.44% | 0.10% |
| Q1 2026 | $1.19B | $1.06B | $808.2M | $104.8M | $1.6M | 0.53% | 3.40% | 0.10% |
| Q4 2025 | $1.14B | $1.01B | $824.6M | $105.0M | $7.0M | 0.60% | 3.29% | 0.15% |
| Q3 2025 | $1.16B | $1.03B | $800.5M | $104.2M | $5.6M | 0.64% | 3.23% | 0.16% |
| Q2 2025 | $1.16B | $1.03B | $811.4M | $101.6M | $3.8M | 0.65% | 3.17% | 0.15% |
| Q1 2025 | $1.19B | $1.06B | $807.7M | $110.0M | $2.0M | 0.70% | 3.03% | 0.21% |
| Q4 2024 | $1.15B | $992.0M | $816.0M | $104.7M | $13.9M | 1.17% | 2.95% | 0.12% |
| Q3 2024 | $1.14B | $987.9M | $805.7M | $108.6M | $13.3M | 1.48% | 2.92% | 0.12% |
Loan mix (Q2 2026): real estate $709.9M · commercial $32.7M · consumer $35.3M · securities $245.2M
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 1.26% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 12.2% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.6% | 59.0% | 94th |
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.
9 branches in 2 counties across 1 state (-1 vs 2024) · $1.03B branch deposits. Biggest market: Monroe, FL, ranked 2nd with 22.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Monroe, FL | 8 | $1.03B | 21.98% | 2nd |
| Broward, FL | 1 | $0 | 0.00% | 63rd |
Florida: 86th with 0.11% · Miami-Fort Lauderdale-West Palm Beach metro: 119th, 0.00% ·
Branch count: 2022 12 · 2023 11 · 2024 10 · 2025 9