| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +4.4% | +1.8 pts |
| Deposit growth (YoY) | +6.0% | +4.0% | +2.0 pts |
| Loan growth (YoY) | -11.0% | +5.6% | -16.6 pts |
| ROA | 1.15% | 1.24% | -0.1 pts |
| ROE | 9.8% | 11.9% | -2.1 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $129.7M | $114.0M | $54.1M | $15.6M | $743K | 1.15% | 3.86% | 0.01% |
| Q1 2026 | $130.3M | $114.8M | $51.4M | $15.2M | $364K | 1.12% | 3.77% | 0.01% |
| Q4 2025 | $128.7M | $113.5M | $57.0M | $14.9M | $1.4M | 1.15% | 4.10% | 0.00% |
| Q3 2025 | $119.0M | $104.2M | $60.8M | $14.6M | $1.1M | 1.21% | 4.14% | 0.00% |
| Q2 2025 | $122.2M | $107.5M | $60.8M | $14.4M | $947K | 1.54% | 4.12% | 0.00% |
| Q1 2025 | $126.2M | $111.7M | $59.8M | $13.8M | $298K | 0.96% | 4.08% | 0.00% |
| Q4 2024 | $121.1M | $107.0M | $61.1M | $13.5M | $1.1M | 0.89% | 3.67% | 0.01% |
| Q3 2024 | $119.0M | $105.3M | $58.4M | $13.2M | $775K | 0.83% | 3.49% | 0.17% |
Loan mix (Q2 2026): real estate $44.9M · commercial $3.7M · consumer $2.4M · securities $40.0M
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 1.24% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 11.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.9% | 62.9% | 47th |
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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