| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +4.4% | -2.8 pts |
| Deposit growth (YoY) | +0.3% | +4.0% | -3.7 pts |
| Loan growth (YoY) | +19.9% | +5.6% | +14.3 pts |
| ROA | 1.32% | 1.24% | +0.1 pts |
| ROE | 7.6% | 11.9% | -4.3 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $150.8M | $122.9M | $105.7M | $26.5M | $997K | 1.32% | 4.90% | 0.16% |
| Q1 2026 | $156.6M | $128.7M | $94.8M | $26.5M | $447K | 1.18% | 4.74% | 0.06% |
| Q4 2025 | $146.7M | $119.0M | $89.7M | $26.2M | $2.0M | 1.42% | 5.38% | 0.04% |
| Q3 2025 | $146.1M | $119.1M | $83.1M | $25.8M | $1.7M | 1.56% | 5.50% | 0.38% |
| Q2 2025 | $148.5M | $122.6M | $88.2M | $25.3M | $1.0M | 1.46% | 5.39% | 0.51% |
| Q1 2025 | $142.1M | $115.2M | $84.4M | $25.3M | $459K | 1.33% | 5.28% | 0.04% |
| Q4 2024 | $133.9M | $107.6M | $86.5M | $24.7M | $2.7M | 2.07% | 6.46% | 0.00% |
| Q3 2024 | $123.9M | $98.4M | $80.5M | $24.4M | $2.2M | 2.31% | 6.66% | 0.53% |
Loan mix (Q2 2026): real estate $83.2M · commercial $11.0M · consumer $1.7M · securities $18.7M
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 1.24% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 11.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.90% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.5% | 62.9% | 73th |
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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