| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.4% | +0.4 pts |
| Deposit growth (YoY) | +5.6% | +4.0% | +1.6 pts |
| Loan growth (YoY) | +15.6% | +5.6% | +10.0 pts |
| ROA | 2.11% | 1.24% | +0.9 pts |
| ROE | 19.9% | 11.9% | +8.0 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $384.2M | $308.1M | $294.5M | $41.7M | $4.1M | 2.11% | 4.22% | 0.16% |
| Q1 2026 | $390.1M | $312.2M | $281.2M | $39.8M | $1.9M | 1.98% | 4.12% | 0.11% |
| Q4 2025 | $378.4M | $295.4M | $278.8M | $41.0M | $6.6M | 1.79% | 3.82% | 0.11% |
| Q3 2025 | $369.4M | $282.9M | $261.9M | $40.0M | $4.9M | 1.79% | 3.72% | 0.18% |
| Q2 2025 | $366.7M | $291.8M | $254.7M | $37.7M | $3.1M | 1.72% | 3.65% | 0.19% |
| Q1 2025 | $367.5M | $288.4M | $249.2M | $36.0M | $1.5M | 1.62% | 3.56% | 0.15% |
| Q4 2024 | $358.7M | $285.3M | $249.7M | $34.6M | $4.5M | 1.31% | 3.10% | 0.08% |
| Q3 2024 | $358.6M | $286.9M | $250.0M | $34.5M | $2.8M | 1.11% | 2.95% | 0.62% |
Loan mix (Q2 2026): real estate $218.2M · commercial $25.2M · consumer $7.2M · securities $69.6M
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.11% | 1.24% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 19.9% | 11.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.2% | 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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