Eastpointe, MI · Cert 15032 · First State Financial Corp.
State charter, Fed member · FED · 11 branches
Q2 2026
Market Position · Detroit-Warren-Dearborn, MI · 2026 SOD (annual) · 0.7% share · #10 of 37 inst. · $1.2B of $183.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.10% | 1.06% | 1.07% | 1.15% | 1.16% | 1.20% | 1.24% | +17 bps | |
| Return on Equity | 14.00% | 13.33% | 12.36% | 12.17% | 13.02% | 12.94% | 12.74% | 12.96% | +78 bps | |
| Net Interest Margin | 3.13% | 3.02% | 3.11% | 3.21% | 3.24% | 3.27% | 3.41% | 3.48% | +27 bps | |
| Efficiency Ratio | 64.42% | 65.57% | 65.97% | 66.85% | 65.20% | 65.35% | 63.13% | 62.82% | -403 bps | |
| Non-Interest Burden | 1.72% | 1.69% | 1.78% | 1.87% | 1.83% | 1.86% | 1.86% | 1.87% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.20% | 8.35% | 3.56% | 5.27% | 5.42% | 5.67% | 1.84% | 4.58% | -69 bps | |
| Loan Growth (YoY) | 25.43% | 24.04% | 17.24% | 9.76% | 11.29% | 19.70% | 23.10% | 15.92% | +616 bps | |
| Deposit Growth (YoY) | 24.65% | 24.91% | 16.95% | 8.30% | 4.92% | 4.90% | 0.85% | 3.93% | -438 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.33% | 0.39% | 0.45% | 0.58% | 0.81% | 0.81% | 0.81% | +36 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.01% | 0.02% | 0.02% | 0.13% | 0.12% | +12 bps | |
| Allowance / Loans | 1.53% | 1.58% | 1.61% | 1.46% | 1.36% | 1.36% | 1.33% | 1.29% | -18 bps | |
| Allowance Coverage of NPLs | 8.2x | 4.8x | 4.1x | 3.3x | 2.3x | 1.7x | 1.7x | 1.6x | -1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.21% | 9.13% | 9.26% | 9.50% | 9.47% | 9.55% | 9.77% | 10.01% | +51 bps | |
| Total Risk-Based Capital | 9.21% | 9.13% | 9.26% | 9.50% | 9.47% | 9.55% | 9.77% | 10.01% | +51 bps | |
| Equity / Assets | 8.56% | 8.69% | 8.54% | 9.05% | 9.11% | 9.46% | 9.45% | 9.69% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.23% | 74.62% | 68.81% | 77.90% | 80.86% | 85.15% | 83.99% | 86.88% | +899 bps | |
| Liquid Assets / Assets | 7.30% | 9.45% | 15.42% | 7.41% | 6.88% | 4.53% | 6.40% | 5.21% | -220 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 344% | 350% | 349% | n/a | n/a | |