| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.9% | -1.2 pts |
| Deposit growth (YoY) | +0.6% | +4.3% | -3.8 pts |
| Loan growth (YoY) | +20.1% | +5.3% | +14.8 pts |
| ROA | 0.34% | 1.28% | -0.9 pts |
| ROE | 3.6% | 12.4% | -8.9 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $951.5M | $828.0M | $527.9M | $91.5M | $1.6M | 0.34% | 2.89% | 0.96% |
| Q1 2026 | $949.8M | $852.5M | $512.4M | $90.7M | $832K | 0.35% | 2.80% | 1.06% |
| Q4 2025 | $949.8M | $852.4M | $496.4M | $90.9M | $3.6M | 0.39% | 2.71% | 0.98% |
| Q3 2025 | $928.5M | $830.3M | $479.0M | $91.6M | $2.7M | 0.40% | 2.65% | 1.09% |
| Q2 2025 | $917.3M | $823.5M | $439.5M | $88.0M | $1.8M | 0.39% | 2.58% | 0.96% |
| Q1 2025 | $923.0M | $833.1M | $437.3M | $85.0M | $765K | 0.33% | 2.48% | 0.96% |
| Q4 2024 | $914.6M | $810.3M | $432.4M | $80.9M | $1.9M | 0.21% | 2.22% | 0.98% |
| Q3 2024 | $893.8M | $783.0M | $436.4M | $87.0M | $945K | 0.14% | 2.16% | 1.01% |
Loan mix (Q2 2026): real estate $438.1M · commercial $63.4M · consumer $15.9M · securities $290.6M
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 1.28% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 12.4% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.9% | 61.2% | 92th |
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% |
The full ratio pack is part of CharterBench Pro.