| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +3.0% | -2.8 pts |
| Deposit growth (YoY) | -0.5% | +2.5% | -3.0 pts |
| Loan growth (YoY) | +0.4% | +2.6% | -2.2 pts |
| ROA | 0.64% | 0.99% | -0.4 pts |
| ROE | 7.5% | 8.1% | -0.6 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $61.5M | $56.8M | $17.2M | $4.6M | $175K | 0.64% | 3.69% | 0.22% |
| Q1 2026 | $50.2M | $45.6M | $17.3M | $4.6M | $47K | 0.37% | 3.70% | 0.27% |
| Q4 2025 | $52.5M | $47.7M | $17.4M | $4.7M | $379K | 0.72% | 4.08% | 0.12% |
| Q3 2025 | $51.1M | $46.5M | $17.0M | $4.6M | $263K | 0.66% | 4.07% | 0.16% |
| Q2 2025 | $61.4M | $57.1M | $17.1M | $4.3M | $179K | 0.67% | 4.08% | 0.19% |
| Q1 2025 | $51.9M | $47.5M | $17.3M | $4.3M | $51K | 0.41% | 4.11% | 0.76% |
| Q4 2024 | $47.5M | $43.3M | $17.5M | $4.2M | $500K | 0.99% | 4.36% | 0.85% |
| Q3 2024 | $47.5M | $42.6M | $17.2M | $4.6M | $400K | 1.04% | 4.36% | 0.61% |
Loan mix (Q2 2026): real estate $14.7M · commercial $883K · consumer $1.9M · securities $36.6M
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.99% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 8.1% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.9% | 70.8% | 71st |
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.
1 branches in 1 county across 1 state (+0 vs 2025) · $56.8M branch deposits. Biggest market: Cleveland, OK, ranked 26th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cleveland, OK | 1 | $56.8M | 0.70% | 26th |
Oklahoma: 197th with 0.03% · Oklahoma City metro: 75th, 0.08% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend up 36% in 2025. Pro shows the figures, trend and peer comparison.
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).