| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +3.0% | +4.7 pts |
| Deposit growth (YoY) | +8.5% | +2.5% | +6.0 pts |
| Loan growth (YoY) | +8.9% | +2.6% | +6.3 pts |
| ROA | 1.62% | 0.99% | +0.6 pts |
| ROE | 15.2% | 8.1% | +7.1 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $72.5M | $61.7M | $55.2M | $7.8M | $579K | 1.62% | 3.99% | 0.00% |
| Q1 2026 | $72.2M | $61.4M | $54.7M | $7.6M | $267K | 1.50% | 3.97% | 0.00% |
| Q4 2025 | $69.9M | $57.4M | $54.5M | $7.5M | $1.0M | 1.49% | 3.69% | 0.00% |
| Q3 2025 | $65.8M | $54.2M | $51.3M | $7.5M | $751K | 1.49% | 3.62% | 0.00% |
| Q2 2025 | $67.3M | $56.9M | $50.7M | $7.3M | $486K | 1.43% | 3.50% | 0.00% |
| Q1 2025 | $67.6M | $56.8M | $52.6M | $7.2M | $222K | 1.30% | 3.32% | 0.00% |
| Q4 2024 | $68.7M | $58.2M | $49.1M | $7.0M | $823K | 1.24% | 3.24% | 0.00% |
| Q3 2024 | $68.1M | $55.6M | $51.1M | $7.0M | $600K | 1.21% | 3.23% | 0.00% |
Loan mix (Q2 2026): real estate $34.0M · commercial $7.3M · consumer $2.0M · securities $4.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 0.99% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 8.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.1% | 70.8% | 5th |
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.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
1 branches in 1 county across 1 state (+0 vs 2025) · $61.7M branch deposits. Biggest market: Chickasaw, IA, ranked 5th with 8.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chickasaw, IA | 1 | $61.7M | 8.15% | 5th |
Iowa: 275th with 0.04% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1