| Metric | The First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +3.0% | +1.0 pts |
| Deposit growth (YoY) | +2.2% | +2.5% | -0.3 pts |
| Loan growth (YoY) | +8.6% | +2.6% | +6.0 pts |
| ROA | 1.26% | 0.99% | +0.3 pts |
| ROE | 11.3% | 8.1% | +3.3 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $84.3M | $74.1M | $36.7M | $9.7M | $536K | 1.26% | 3.03% | 0.00% |
| Q1 2026 | $85.8M | $76.2M | $33.0M | $9.1M | $301K | 1.42% | 2.96% | 0.00% |
| Q4 2025 | $84.3M | $74.3M | $33.1M | $9.5M | $535K | 0.64% | 2.82% | 0.00% |
| Q3 2025 | $84.1M | $74.4M | $31.1M | $9.1M | $545K | 0.88% | 2.81% | 0.00% |
| Q2 2025 | $81.0M | $72.5M | $33.8M | $8.0M | $406K | 0.99% | 2.90% | 0.00% |
| Q1 2025 | $80.2M | $72.1M | $31.9M | $7.5M | $209K | 1.01% | 2.87% | 0.54% |
| Q4 2024 | $85.6M | $77.7M | $30.8M | $7.4M | $640K | 0.77% | 2.62% | 0.00% |
| Q3 2024 | $82.3M | $70.2M | $30.9M | $8.6M | $652K | 1.05% | 2.62% | 0.09% |
Loan mix (Q2 2026): real estate $16.1M · commercial $6.1M · consumer $1.4M · securities $39.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 0.99% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 8.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.9% | 70.8% | 28th |
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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