First State Bank
Eastpointe, MI · Cert 15032 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · First State Financial Corp.
State charter, Fed member · FED · 11 branches
Q2 2026
$1.3BAssets
$1.1BLoans
$1.2BDeposits
$130.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 58% of banks $1B-$10B in assets operating in a single state (rank 108 of 258).
- Widest gap: total risk-based capital ratio trails 93% of banks $1B-$10B in assets operating in a single state (rank 239 of 258).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
1.23%
Rank 132 of 258
Net Interest Margin
3.48%
Rank 131 of 258
Efficiency Ratio
62.82%
Rank 158 of 257
Equity / Assets
9.69%
Rank 156 of 258
Non-interest income vs. expense
Unfavorable gap of $25.1M · efficiency ratio beats 39% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.23% | 0.93% | 1.23% | 1.54% | Beats 49% | 132 / 258 | |
| Return on Equity | 12.64% | 9.26% | 11.84% | 14.74% | Beats 58% | 108 / 258 | |
| Net Interest Margin | 3.48% | 3.16% | 3.49% | 3.88% | Beats 49% | 131 / 258 | |
| Efficiency Ratio | 62.82% | 51.71% | 60.30% | 69.65% | Beats 39% | 158 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.81% | 0.19% | 0.46% | 0.90% | Beats 28% | 187 / 258 | |
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.02% | 0.07% | Beats 24% | 197 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 10.01% | 11.41% | 12.98% | 15.12% | Beats 7% | 239 / 258 | |
| Total Risk-Based Capital Ratio | 10.01% | 12.10% | 13.91% | 16.08% | Beats 7% | 239 / 258 | |
| Equity / Assets | 9.69% | 9.09% | 10.24% | 11.72% | Beats 40% | 156 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 86.88% | 73.24% | 86.34% | 95.95% | 53rd pctl | 122 / 258 | |
| Loans / Assets | 78.20% | 63.01% | 72.27% | 78.40% | 73rd pctl | 70 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |