| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +4.9% | +6.3 pts |
| Deposit growth (YoY) | +3.6% | +4.3% | -0.7 pts |
| Loan growth (YoY) | +13.0% | +5.3% | +7.6 pts |
| ROA | 0.62% | 1.28% | -0.7 pts |
| ROE | 4.8% | 12.4% | -7.6 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $665.4M | $547.0M | $454.9M | $108.8M | $2.0M | 0.62% | 1.91% | 0.03% |
| Q1 2026 | $612.1M | $537.2M | $443.6M | $66.8M | $490K | 0.32% | 3.79% | 0.01% |
| Q4 2025 | $613.7M | $539.8M | $431.2M | $66.6M | $7.8M | 1.30% | 3.62% | 0.00% |
| Q3 2025 | $606.5M | $534.7M | $427.2M | $64.5M | $5.6M | 1.25% | 3.53% | 0.01% |
| Q2 2025 | $598.2M | $527.9M | $402.7M | $61.1M | $3.6M | 1.20% | 3.42% | 0.01% |
| Q1 2025 | $597.0M | $526.0M | $398.5M | $59.7M | $1.9M | 1.26% | 3.34% | 0.03% |
| Q4 2024 | $595.5M | $527.3M | $403.3M | $57.0M | $6.2M | 1.12% | 3.37% | 0.01% |
| Q3 2024 | $559.8M | $491.3M | $399.1M | $57.0M | $4.2M | 1.04% | 3.35% | 0.01% |
Loan mix (Q2 2026): real estate $392.6M · commercial $60.2M · consumer $2.3M · securities $91.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 1.28% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 12.4% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.91% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.0% | 61.2% | 16th |
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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