| Metric | The First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +4.9% | +5.3 pts |
| Deposit growth (YoY) | +9.7% | +4.3% | +5.4 pts |
| Loan growth (YoY) | +8.7% | +5.3% | +3.4 pts |
| ROA | 2.44% | 1.28% | +1.2 pts |
| ROE | 27.4% | 12.4% | +15.0 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $895.2M | $806.8M | $643.8M | $80.1M | $10.8M | 2.44% | 5.21% | 1.58% |
| Q1 2026 | $884.2M | $798.3M | $634.1M | $78.2M | $5.0M | 2.28% | 5.13% | 1.41% |
| Q4 2025 | $878.8M | $792.8M | $624.6M | $78.1M | $22.6M | 2.69% | 5.27% | 0.77% |
| Q3 2025 | $845.8M | $762.3M | $613.2M | $75.6M | $16.8M | 2.70% | 5.24% | 0.77% |
| Q2 2025 | $812.6M | $735.5M | $592.1M | $69.6M | $10.9M | 2.64% | 5.17% | 0.73% |
| Q1 2025 | $835.5M | $760.9M | $570.3M | $67.5M | $5.2M | 2.51% | 5.13% | 0.02% |
| Q4 2024 | $818.2M | $749.0M | $549.1M | $61.8M | $19.9M | 2.46% | 5.10% | 0.03% |
| Q3 2024 | $824.6M | $749.7M | $552.0M | $67.5M | $14.7M | 2.43% | 5.06% | 0.02% |
Loan mix (Q2 2026): real estate $506.6M · commercial $47.7M · consumer $3.3M · securities $147.6M
| Ratio | The First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.44% | 1.28% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 27.4% | 12.4% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.21% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.9% | 61.2% | 24th |
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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