| Metric | FirstState Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +4.4% | -1.3 pts |
| Deposit growth (YoY) | +1.9% | +4.0% | -2.1 pts |
| Loan growth (YoY) | -1.5% | +5.6% | -7.0 pts |
| ROA | 0.77% | 1.24% | -0.5 pts |
| ROE | 11.7% | 11.9% | -0.2 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $349.4M | $323.9M | $150.9M | $23.4M | $1.4M | 0.77% | 3.71% | 0.49% |
| Q1 2026 | $348.3M | $323.9M | $150.8M | $22.7M | $680K | 0.78% | 3.70% | 0.56% |
| Q4 2025 | $352.1M | $327.0M | $148.7M | $23.4M | $3.5M | 1.04% | 3.78% | 0.50% |
| Q3 2025 | $346.7M | $322.1M | $150.8M | $22.1M | $2.4M | 0.93% | 3.78% | 0.60% |
| Q2 2025 | $338.8M | $318.0M | $153.1M | $18.7M | $1.5M | 0.90% | 3.73% | 0.51% |
| Q1 2025 | $338.1M | $316.9M | $151.6M | $19.3M | $688K | 0.82% | 3.62% | 0.19% |
| Q4 2024 | $333.0M | $313.9M | $148.5M | $17.3M | $3.5M | 1.09% | 3.71% | 0.23% |
| Q3 2024 | $324.2M | $299.6M | $149.8M | $22.1M | $2.6M | 1.08% | 3.73% | 0.04% |
Loan mix (Q2 2026): real estate $116.5M · commercial $8.7M · consumer $16.9M · securities $146.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | FirstState Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 1.24% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 11.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 62.9% | 72th |
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 | FirstState 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 | FirstState 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 | FirstState 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 | FirstState 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.