| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +4.4% | -2.3 pts |
| Deposit growth (YoY) | -2.3% | +4.0% | -6.3 pts |
| Loan growth (YoY) | -1.5% | +5.6% | -7.1 pts |
| ROA | 1.74% | 1.24% | +0.5 pts |
| ROE | 13.9% | 11.9% | +2.1 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $184.0M | $154.0M | $145.4M | $23.6M | $1.6M | 1.74% | 4.45% | 3.55% |
| Q1 2026 | $191.2M | $160.2M | $145.3M | $23.0M | $768K | 1.66% | 4.49% | 1.86% |
| Q4 2025 | $179.7M | $148.9M | $143.7M | $22.6M | $3.1M | 1.69% | 4.42% | 0.20% |
| Q3 2025 | $185.3M | $162.0M | $148.8M | $22.1M | $2.3M | 1.68% | 4.34% | 0.32% |
| Q2 2025 | $180.2M | $157.7M | $147.6M | $21.4M | $1.4M | 1.60% | 4.25% | 0.45% |
| Q1 2025 | $184.8M | $163.0M | $143.2M | $20.9M | $715K | 1.59% | 4.19% | 0.36% |
| Q4 2024 | $175.5M | $154.1M | $153.0M | $20.4M | $2.6M | 1.43% | 4.09% | 1.47% |
| Q3 2024 | $177.4M | $155.5M | $156.1M | $19.8M | $1.8M | 1.32% | 4.01% | 0.51% |
Loan mix (Q2 2026): real estate $79.5M · commercial $29.2M · consumer $2.8M · securities $10.9M
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 1.24% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 11.9% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.8% | 62.9% | 38th |
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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