| Metric | The First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +4.4% | -0.8 pts |
| Deposit growth (YoY) | +10.4% | +4.0% | +6.5 pts |
| Loan growth (YoY) | +4.6% | +5.6% | -0.9 pts |
| ROA | 2.21% | 1.24% | +1.0 pts |
| ROE | 25.0% | 11.9% | +13.1 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $160.0M | $139.3M | $129.2M | $14.3M | $1.8M | 2.21% | 4.05% | 1.73% |
| Q1 2026 | $153.9M | $139.0M | $123.6M | $14.3M | $953K | 2.38% | 4.09% | 0.51% |
| Q4 2025 | $166.8M | $143.1M | $130.4M | $14.0M | $3.8M | 2.45% | 4.37% | 0.21% |
| Q3 2025 | $154.3M | $133.6M | $127.8M | $13.7M | $3.0M | 2.64% | 4.42% | 0.25% |
| Q2 2025 | $154.5M | $126.1M | $123.5M | $12.6M | $2.0M | 2.62% | 4.40% | 0.05% |
| Q1 2025 | $147.7M | $126.9M | $118.0M | $11.5M | $1.0M | 2.80% | 4.57% | 0.55% |
| Q4 2024 | $148.0M | $129.9M | $123.6M | $10.6M | $2.9M | 2.05% | 4.32% | 0.05% |
| Q3 2024 | $147.8M | $125.2M | $122.7M | $11.1M | $2.5M | 2.39% | 4.27% | 0.43% |
Loan mix (Q2 2026): real estate $60.8M · commercial $8.5M · consumer $5.3M · securities $12.3M
| Ratio | The First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.21% | 1.24% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 25.0% | 11.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.0% | 62.9% | 4th |
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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