| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +4.4% | +4.1 pts |
| Deposit growth (YoY) | +8.4% | +4.0% | +4.4 pts |
| Loan growth (YoY) | +1.9% | +5.6% | -3.7 pts |
| ROA | 2.06% | 1.24% | +0.8 pts |
| ROE | 15.2% | 11.9% | +3.3 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $174.3M | $148.1M | $57.4M | $24.3M | $1.8M | 2.06% | 3.90% | 0.71% |
| Q1 2026 | $184.6M | $158.7M | $57.6M | $24.2M | $1.0M | 2.30% | 3.86% | 0.47% |
| Q4 2025 | $173.7M | $148.2M | $58.8M | $23.7M | $3.7M | 2.26% | 3.97% | 0.60% |
| Q3 2025 | $168.1M | $143.0M | $57.1M | $23.2M | $2.9M | 2.33% | 3.99% | 0.83% |
| Q2 2025 | $160.8M | $136.6M | $56.4M | $22.3M | $1.9M | 2.30% | 4.03% | 0.74% |
| Q1 2025 | $166.8M | $143.3M | $58.2M | $21.8M | $958K | 2.36% | 3.99% | 0.31% |
| Q4 2024 | $158.3M | $135.4M | $56.6M | $21.1M | $4.1M | 2.67% | 4.32% | 0.23% |
| Q3 2024 | $151.2M | $128.3M | $57.4M | $21.0M | $3.1M | 2.76% | 4.42% | 0.25% |
Loan mix (Q2 2026): real estate $24.9M · commercial $8.9M · consumer $5.7M · securities $49.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.06% | 1.24% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 11.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.8% | 62.9% | 6th |
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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