| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +4.4% | -5.5 pts |
| Deposit growth (YoY) | -2.4% | +4.0% | -6.4 pts |
| Loan growth (YoY) | +7.1% | +5.6% | +1.5 pts |
| ROA | 1.01% | 1.24% | -0.2 pts |
| ROE | 7.5% | 11.9% | -4.4 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $188.0M | $160.5M | $10.5M | $26.8M | $979K | 1.01% | 3.23% | 0.00% |
| Q1 2026 | $185.7M | $158.8M | $10.6M | $26.2M | $445K | 0.90% | 3.22% | 0.01% |
| Q4 2025 | $208.7M | $182.3M | $10.2M | $25.8M | $1.9M | 1.01% | 3.34% | 0.01% |
| Q3 2025 | $175.0M | $149.1M | $10.0M | $25.3M | $1.4M | 1.00% | 3.46% | 0.01% |
| Q2 2025 | $190.1M | $164.5M | $9.8M | $24.8M | $912K | 0.98% | 3.43% | 0.01% |
| Q1 2025 | $181.9M | $156.7M | $9.7M | $24.3M | $462K | 1.00% | 3.51% | 0.04% |
| Q4 2024 | $186.9M | $162.8M | $9.9M | $23.9M | $2.3M | 1.19% | 3.64% | 0.04% |
| Q3 2024 | $186.9M | $162.9M | $10.3M | $23.4M | $1.8M | 1.26% | 3.67% | 0.04% |
Loan mix (Q2 2026): real estate $6.7M · commercial $3.4M · consumer $1.5M · securities $142.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.24% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 11.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.4% | 62.9% | 63th |
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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