| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +4.4% | +3.0 pts |
| Deposit growth (YoY) | +7.5% | +4.0% | +3.5 pts |
| Loan growth (YoY) | +11.3% | +5.6% | +5.7 pts |
| ROA | 2.57% | 1.24% | +1.3 pts |
| ROE | 19.7% | 11.9% | +7.8 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $232.5M | $195.7M | $174.5M | $31.1M | $3.0M | 2.57% | 5.39% | 0.01% |
| Q1 2026 | $227.3M | $194.8M | $168.7M | $30.2M | $1.8M | 3.17% | 6.26% | 0.04% |
| Q4 2025 | $230.3M | $199.0M | $164.4M | $29.0M | $3.6M | 1.62% | 4.03% | 0.12% |
| Q3 2025 | $231.0M | $187.6M | $169.1M | $28.2M | $2.7M | 1.62% | 4.02% | 0.10% |
| Q2 2025 | $216.5M | $182.1M | $156.9M | $27.4M | $1.8M | 1.63% | 3.99% | 0.58% |
| Q1 2025 | $215.3M | $186.3M | $155.9M | $26.5M | $833K | 1.52% | 3.84% | 0.16% |
| Q4 2024 | $223.7M | $194.9M | $159.2M | $25.8M | $2.8M | 1.27% | 3.55% | 0.20% |
| Q3 2024 | $223.3M | $185.9M | $160.2M | $25.9M | $2.1M | 1.28% | 3.56% | 0.18% |
Loan mix (Q2 2026): real estate $63.4M · commercial $22.2M · consumer $5.6M · securities $38.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.57% | 1.24% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 19.7% | 11.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.39% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.1% | 62.9% | 2th |
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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