| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +5.5% | -5.5 pts |
| Deposit growth (YoY) | +2.3% | +5.1% | -2.8 pts |
| Loan growth (YoY) | -1.1% | +5.9% | -7.0 pts |
| ROA | 1.16% | 1.26% | -0.1 pts |
| ROE | 10.9% | 12.2% | -1.3 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.56B | $1.30B | $1.27B | $172.1M | $9.2M | 1.16% | 3.78% | 0.39% |
| Q1 2026 | $1.58B | $1.31B | $1.30B | $169.1M | $4.8M | 1.21% | 3.69% | 0.47% |
| Q4 2025 | $1.59B | $1.30B | $1.31B | $165.2M | $15.1M | 0.96% | 3.44% | 0.36% |
| Q3 2025 | $1.58B | $1.25B | $1.30B | $161.7M | $10.9M | 0.94% | 3.39% | 0.45% |
| Q2 2025 | $1.56B | $1.27B | $1.29B | $156.8M | $6.9M | 0.89% | 3.32% | 0.25% |
| Q1 2025 | $1.53B | $1.30B | $1.26B | $154.0M | $2.8M | 0.72% | 3.25% | 0.35% |
| Q4 2024 | $1.54B | $1.27B | $1.27B | $151.0M | $11.3M | 0.73% | 3.01% | 0.33% |
| Q3 2024 | $1.53B | $1.26B | $1.26B | $152.1M | $8.7M | 0.75% | 2.99% | 0.35% |
Loan mix (Q2 2026): real estate $1.13B · commercial $78.3M · consumer $7.8M · securities $147.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 1.26% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 12.2% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.4% | 59.0% | 64th |
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% |
The full ratio pack is part of CharterBench Pro.