| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +4.4% | -6.0 pts |
| Deposit growth (YoY) | -2.5% | +4.0% | -6.5 pts |
| Loan growth (YoY) | -1.3% | +5.6% | -6.9 pts |
| ROA | 1.71% | 1.24% | +0.5 pts |
| ROE | 16.0% | 11.9% | +4.1 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $100.3M | $88.9M | $65.7M | $10.7M | $862K | 1.71% | 5.92% | 0.29% |
| Q1 2026 | $101.0M | $88.8M | $66.9M | $10.4M | $414K | 1.64% | 5.82% | 0.30% |
| Q4 2025 | $101.5M | $86.7M | $68.4M | $11.3M | $2.0M | 1.99% | 6.11% | 0.05% |
| Q3 2025 | $98.9M | $87.3M | $66.8M | $10.8M | $1.5M | 1.95% | 6.10% | 0.09% |
| Q2 2025 | $101.9M | $91.2M | $66.5M | $10.0M | $975K | 1.95% | 6.10% | 0.06% |
| Q1 2025 | $101.4M | $91.3M | $69.5M | $9.5M | $418K | 1.69% | 6.06% | 0.06% |
| Q4 2024 | $97.0M | $86.1M | $68.9M | $10.3M | $2.2M | 2.32% | 6.21% | 0.07% |
| Q3 2024 | $100.1M | $89.0M | $68.6M | $10.3M | $1.6M | 2.27% | 6.12% | 0.07% |
Loan mix (Q2 2026): real estate $41.2M · commercial $9.4M · consumer $8.2M · securities $23.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.71% | 1.24% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 16.0% | 11.9% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.92% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.3% | 62.9% | 71th |
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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