| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.4% | +2.4 pts |
| Deposit growth (YoY) | +5.8% | +4.0% | +1.8 pts |
| Loan growth (YoY) | +32.0% | +5.6% | +26.4 pts |
| ROA | 2.27% | 1.24% | +1.0 pts |
| ROE | 19.8% | 11.9% | +8.0 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $371.9M | $326.4M | $243.9M | $43.7M | $4.3M | 2.27% | 3.91% | 0.00% |
| Q1 2026 | $386.0M | $342.0M | $239.0M | $42.5M | $2.2M | 2.37% | 3.81% | 0.00% |
| Q4 2025 | $369.8M | $325.2M | $217.8M | $43.1M | $8.4M | 2.38% | 3.82% | 0.00% |
| Q3 2025 | $351.2M | $308.7M | $217.9M | $40.6M | $6.2M | 2.38% | 3.83% | 0.00% |
| Q2 2025 | $348.2M | $308.5M | $184.7M | $38.0M | $4.0M | 2.34% | 3.82% | 0.00% |
| Q1 2025 | $345.4M | $308.1M | $205.6M | $36.0M | $2.0M | 2.33% | 3.78% | 0.00% |
| Q4 2024 | $336.7M | $299.8M | $206.9M | $35.5M | $6.8M | 2.00% | 3.53% | 0.00% |
| Q3 2024 | $338.1M | $286.7M | $189.6M | $35.0M | $5.0M | 1.95% | 3.45% | 0.00% |
Loan mix (Q2 2026): real estate $122.5M · commercial $25.9M · consumer $2.9M · securities $75.0M
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.27% | 1.24% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 19.8% | 11.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.5% | 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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