The First State Bank
Total assets
$493.2M
▲ +0.3% YoY
Deposits
$406.6M
▼ -0.5% YoY
Loans
$278.6M
▲ +1.2% YoY
Offices
5
NORTON BANKSHARES INC
ROA (annualized)
1.85%
peers 1.24%
ROE (annualized)
17.70%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | The First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +4.4% | -4.1 pts |
| Deposit growth (YoY) | -0.5% | +4.0% | -4.5 pts |
| Loan growth (YoY) | +1.2% | +5.6% | -4.4 pts |
| ROA | 1.85% | 1.24% | +0.6 pts |
| ROE | 17.7% | 11.9% | +5.8 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
Profile
- Established
- 1902
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- NORTON BANKSHARES INC
- Specialization
- Agricultural Specialization
- Address
- 105 W Main St, Norton, KS, 67654
- County
- Norton
- Offices
- 5
- FDIC cert #
- 5835
- RSSD ID
- 394259
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $493.2M | $406.6M | $278.6M | $54.2M | $4.7M | 1.85% | 4.14% | 0.07% |
| Q1 2026 | $498.5M | $430.7M | $288.0M | $52.5M | $2.3M | 1.81% | 4.08% | 0.16% |
| Q4 2025 | $519.5M | $436.0M | $307.8M | $51.2M | $8.2M | 1.64% | 3.80% | 0.11% |
| Q3 2025 | $510.6M | $426.7M | $294.1M | $49.1M | $6.0M | 1.62% | 3.77% | 0.13% |
| Q2 2025 | $491.7M | $408.7M | $275.2M | $45.5M | $3.8M | 1.53% | 3.67% | 0.61% |
| Q1 2025 | $487.8M | $410.0M | $263.2M | $43.6M | $1.7M | 1.36% | 3.56% | 0.12% |
| Q4 2024 | $500.3M | $423.4M | $267.6M | $40.9M | $7.1M | 1.45% | 3.50% | 0.10% |
| Q3 2024 | $497.6M | $425.1M | $258.1M | $41.3M | $5.1M | 1.38% | 3.45% | 0.09% |
Loan mix (Q2 2026): real estate $121.6M · commercial $46.8M · consumer $15.1M · securities $185.7M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | The First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.24% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 17.7% | 11.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% | 61th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.5% | 62.9% | 19th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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