| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +3.0% | -2.9 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 33rd 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
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.99% | 33th | |
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% | 71th |
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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