| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +4.4% | -0.3 pts |
| Deposit growth (YoY) | +3.2% | +4.0% | -0.8 pts |
| Loan growth (YoY) | +2.6% | +5.6% | -3.0 pts |
| ROA | 1.12% | 1.24% | -0.1 pts |
| ROE | 10.9% | 11.9% | -0.9 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $328.1M | $292.6M | $236.7M | $34.3M | $1.8M | 1.12% | 3.77% | 0.00% |
| Q1 2026 | $325.5M | $288.0M | $236.2M | $33.3M | $873K | 1.07% | 3.67% | 0.00% |
| Q4 2025 | $328.6M | $292.2M | $239.5M | $33.0M | $3.3M | 1.04% | 3.53% | 0.00% |
| Q3 2025 | $319.1M | $285.0M | $234.0M | $32.4M | $2.4M | 1.02% | 3.45% | 0.00% |
| Q2 2025 | $315.2M | $283.5M | $230.6M | $30.5M | $1.5M | 0.97% | 3.36% | 0.00% |
| Q1 2025 | $306.2M | $275.1M | $227.1M | $29.6M | $620K | 0.81% | 3.19% | 0.00% |
| Q4 2024 | $309.7M | $280.1M | $226.7M | $28.5M | $1.8M | 0.60% | 2.95% | 0.00% |
| Q3 2024 | $310.3M | $274.6M | $227.3M | $29.6M | $1.1M | 0.50% | 2.85% | 0.00% |
Loan mix (Q2 2026): real estate $204.2M · commercial $20.1M · consumer $1.4M · securities $74.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 1.24% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 11.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.5% | 62.9% | 37th |
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.
6 branches in 4 counties across 1 state (+0 vs 2024) · $283.5M branch deposits. Biggest market: Lonoke, AR, ranked 4th with 9.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lonoke, AR | 3 | $159.6M | 9.28% | 4th |
| Cleburne, AR | 1 | $46.6M | 6.42% | 6th |
| Washington, AR | 1 | $41.3M | 0.46% | 25th |
| 1 more county with Pro → | ||||
Arkansas: 61st with 0.26% · Little Rock-North Little Rock-Conway metro: 26th, 0.40% · Fayetteville-Springdale-Rogers metro: 34th, 0.20% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6