| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +3.0% | +3.4 pts |
| Deposit growth (YoY) | +6.0% | +2.5% | +3.5 pts |
| Loan growth (YoY) | +12.7% | +2.6% | +10.1 pts |
| ROA | 2.09% | 0.99% | +1.1 pts |
| ROE | 18.5% | 8.1% | +10.4 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $89.8M | $79.2M | $48.5M | $10.1M | $916K | 2.09% | 4.80% | 0.71% |
| Q1 2026 | $89.7M | $79.4M | $51.4M | $9.8M | $464K | 2.15% | 4.83% | 0.03% |
| Q4 2025 | $83.1M | $72.9M | $50.8M | $9.8M | $1.4M | 1.73% | 4.87% | 0.03% |
| Q3 2025 | $82.9M | $72.7M | $43.1M | $9.4M | $1.0M | 1.67% | 4.82% | 0.52% |
| Q2 2025 | $84.4M | $74.7M | $43.0M | $8.9M | $624K | 1.52% | 4.71% | 0.61% |
| Q1 2025 | $83.2M | $73.9M | $42.0M | $8.7M | $296K | 1.46% | 4.38% | 0.15% |
| Q4 2024 | $78.6M | $70.0M | $42.4M | $8.1M | $1.3M | 1.55% | 4.35% | 0.15% |
| Q3 2024 | $78.1M | $68.8M | $40.8M | $8.6M | $950K | 1.56% | 4.30% | 0.17% |
Loan mix (Q2 2026): real estate $26.2M · commercial $6.6M · consumer $2.8M · securities $20.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.09% | 0.99% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 18.5% | 8.1% | 92nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.80% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.5% | 70.8% | 21st |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024) · $74.7M branch deposits. Biggest market: Blaine, OK, ranked 2nd with 15.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Blaine, OK | 1 | $74.7M | 15.91% | 2nd |
Oklahoma: 187th with 0.05% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1