| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +3.0% | -4.4 pts |
| Deposit growth (YoY) | -1.5% | +2.5% | -4.0 pts |
| Loan growth (YoY) | -0.9% | +2.6% | -3.5 pts |
| ROA | 0.33% | 0.99% | -0.7 pts |
| ROE | 3.7% | 8.1% | -4.4 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $82.1M | $74.1M | $51.3M | $7.3M | $134K | 0.33% | 3.61% | 2.07% |
| Q1 2026 | $82.4M | $74.4M | $51.5M | $7.3M | $101K | 0.50% | 3.54% | 2.35% |
| Q4 2025 | $80.8M | $71.2M | $49.7M | $7.4M | $485K | 0.58% | 3.37% | 2.14% |
| Q3 2025 | $81.1M | $73.2M | $47.8M | $7.7M | $474K | 0.75% | 3.34% | 1.24% |
| Q2 2025 | $83.2M | $75.2M | $51.7M | $6.8M | $172K | 0.40% | 3.24% | 1.24% |
| Q1 2025 | $87.4M | $80.4M | $50.7M | $6.7M | $50K | 0.23% | 3.12% | 1.73% |
| Q4 2024 | $86.0M | $79.4M | $49.9M | $6.4M | $174K | 0.22% | 3.23% | 1.75% |
| Q3 2024 | $83.4M | $76.1M | $48.1M | $6.9M | $36K | 0.06% | 3.24% | 1.41% |
Loan mix (Q2 2026): real estate $43.4M · commercial $4.3M · consumer $3.3M · securities $22.1M
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.99% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 8.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.1% | 70.8% | 69th |
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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