| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +4.9% | +1.8 pts |
| Deposit growth (YoY) | +2.7% | +4.3% | -1.6 pts |
| Loan growth (YoY) | +17.3% | +5.3% | +11.9 pts |
| ROA | 0.83% | 1.28% | -0.5 pts |
| ROE | 9.4% | 12.4% | -3.0 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $558.1M | $449.8M | $391.8M | $49.9M | $2.3M | 0.83% | 3.88% | 0.08% |
| Q1 2026 | $553.6M | $456.4M | $382.4M | $48.8M | $944K | 0.68% | 3.71% | 0.09% |
| Q4 2025 | $564.4M | $457.2M | $379.7M | $48.5M | $3.5M | 0.65% | 3.58% | 0.05% |
| Q3 2025 | $522.9M | $435.9M | $348.9M | $47.3M | $2.3M | 0.57% | 3.46% | 0.05% |
| Q2 2025 | $523.0M | $437.8M | $334.1M | $44.4M | $1.3M | 0.48% | 3.35% | 0.05% |
| Q1 2025 | $523.5M | $447.9M | $328.6M | $43.1M | $26K | 0.02% | 3.17% | 0.05% |
| Q4 2024 | $535.6M | $450.0M | $333.7M | $42.8M | $3.3M | 0.62% | 3.08% | 0.05% |
| Q3 2024 | $529.5M | $450.3M | $331.1M | $44.3M | $2.6M | 0.63% | 2.98% | 0.05% |
Loan mix (Q2 2026): real estate $352.2M · commercial $24.9M · consumer $3.1M · securities $120.7M
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 1.28% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 12.4% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.4% | 61.2% | 77th |
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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