| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.7% | +5.5% | +5.2 pts |
| Deposit growth (YoY) | +5.0% | +5.1% | -0.0 pts |
| Loan growth (YoY) | +6.5% | +5.9% | +0.5 pts |
| ROA | 1.10% | 1.26% | -0.2 pts |
| ROE | 12.7% | 12.2% | +0.5 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.24B | $1.10B | $565.8M | $108.5M | $6.6M | 1.10% | 3.27% | 0.40% |
| Q1 2026 | $1.19B | $1.08B | $564.0M | $102.1M | $3.4M | 1.15% | 3.34% | 0.22% |
| Q4 2025 | $1.15B | $1.04B | $556.5M | $101.3M | $11.5M | 1.04% | 3.36% | 0.22% |
| Q3 2025 | $1.12B | $1.03B | $548.9M | $73.4M | $8.6M | 1.06% | 3.36% | 0.24% |
| Q2 2025 | $1.12B | $1.05B | $531.5M | $66.0M | $5.8M | 1.07% | 3.38% | 0.21% |
| Q1 2025 | $1.07B | $990.7M | $536.1M | $78.2M | $2.9M | 1.09% | 3.41% | 0.20% |
| Q4 2024 | $1.04B | $953.8M | $514.4M | $75.9M | $10.2M | 1.00% | 3.14% | 0.16% |
| Q3 2024 | $1.08B | $978.5M | $502.6M | $78.5M | $8.2M | 1.06% | 3.08% | 0.16% |
Loan mix (Q2 2026): real estate $525.4M · commercial $13.2M · consumer $26.4M · securities $522.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.26% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 12.2% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.4% | 59.0% | 57th |
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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