| Metric | The First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +4.4% | +0.0 pts |
| Deposit growth (YoY) | +24.7% | +4.0% | +20.7 pts |
| Loan growth (YoY) | +8.5% | +5.6% | +2.9 pts |
| ROA | 1.70% | 1.24% | +0.5 pts |
| ROE | 13.0% | 11.9% | +1.2 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 | $121.4M | $96.4M | $87.2M | $16.4M | $1.1M | 1.70% | 7.46% | 1.57% |
| Q1 2026 | $123.8M | $97.2M | $85.9M | $16.1M | $397K | 1.26% | 7.11% | 1.45% |
| Q4 2025 | $127.6M | $95.2M | $85.7M | $16.1M | $2.5M | 2.08% | 7.10% | 0.85% |
| Q3 2025 | $122.3M | $88.1M | $82.5M | $15.5M | $1.6M | 1.87% | 7.14% | 3.29% |
| Q2 2025 | $116.3M | $77.4M | $80.3M | $14.8M | $1.0M | 1.75% | 6.90% | 0.29% |
| Q1 2025 | $117.5M | $78.4M | $79.2M | $14.2M | $423K | 1.47% | 6.63% | 0.15% |
| Q4 2024 | $113.0M | $74.4M | $73.7M | $13.5M | $1.3M | 1.28% | 7.33% | 0.00% |
| Q3 2024 | $108.4M | $69.1M | $69.1M | $14.3M | $1.5M | 1.92% | 7.58% | 3.46% |
Loan mix (Q2 2026): real estate $32.0M · commercial $15.2M · consumer $3.9M · securities $16.2M
| Ratio | The First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 1.24% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 11.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.46% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 62.9% | 64th |
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 | The 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 | The 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 | The 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 | The 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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