| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.9% | -3.5 pts |
| Deposit growth (YoY) | -0.5% | +4.3% | -4.8 pts |
| Loan growth (YoY) | +8.4% | +5.3% | +3.1 pts |
| ROA | 1.76% | 1.28% | +0.5 pts |
| ROE | 12.8% | 12.4% | +0.4 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $542.6M | $466.0M | $208.5M | $75.1M | $4.8M | 1.76% | 3.16% | 0.00% |
| Q1 2026 | $539.7M | $464.4M | $207.0M | $74.0M | $2.1M | 1.58% | 3.06% | 0.00% |
| Q4 2025 | $535.8M | $461.5M | $209.1M | $73.0M | $8.0M | 1.49% | 2.95% | 0.00% |
| Q3 2025 | $530.8M | $457.9M | $195.9M | $71.4M | $5.9M | 1.45% | 2.91% | 0.00% |
| Q2 2025 | $535.0M | $468.5M | $192.2M | $64.9M | $3.6M | 1.34% | 2.83% | 0.05% |
| Q1 2025 | $551.0M | $487.2M | $184.5M | $62.5M | $1.7M | 1.26% | 2.71% | 0.07% |
| Q4 2024 | $535.8M | $477.0M | $189.1M | $57.5M | $6.4M | 1.23% | 2.61% | 0.05% |
| Q3 2024 | $543.7M | $470.0M | $189.7M | $63.3M | $4.6M | 1.17% | 2.51% | 0.29% |
Loan mix (Q2 2026): real estate $139.7M · commercial $34.0M · consumer $19.3M · securities $286.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First State Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 1.28% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 12.4% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
14th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.4% | 61.2% | 26th |
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 & Trust | 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 & Trust | 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 & Trust | 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 & Trust | 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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