First State Bank
New London, WI · Cert 15271 · Peer group: banks under $1B in assets in WI (n=110-113) · First State Bancshares Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
$558.1MAssets
$395.8MLoans
$449.8MDeposits
$49.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 60% of banks under $1B in assets in WI (rank 45 of 110).
- Widest gap: total risk-based capital ratio trails 89% of banks under $1B in assets in WI (rank 101 of 113).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.83%
Rank 88 of 113
Net Interest Margin
3.56%
Rank 59 of 113
Efficiency Ratio
73.99%
Rank 90 of 113
Equity / Assets
8.94%
Rank 88 of 113
Non-interest income vs. expense
Unfavorable gap of $14.1M · efficiency ratio beats 21% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.83% | 0.85% | 1.17% | 1.51% | Beats 22% | 88 / 113 | | |
| Return on Equity | 9.26% | 7.70% | 10.77% | 13.67% | Beats 33% | 76 / 113 | | |
| Net Interest Margin | 3.56% | 3.19% | 3.59% | 3.89% | Beats 48% | 59 / 113 | | |
| Efficiency Ratio | 73.99% | 54.61% | 62.43% | 71.88% | Beats 21% | 90 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.03% | 0.24% | 0.91% | Beats 60% | 45 / 110 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.01% | Beats 22% | 87 / 110 | | |
| Capital |
| Tier 1 Capital Ratio | 9.80% | 11.22% | 12.95% | 15.76% | Beats 12% | 100 / 113 | | |
| Total Risk-Based Capital Ratio | 9.80% | 11.57% | 13.59% | 16.73% | Beats 11% | 101 / 113 | | |
| Equity / Assets | 8.94% | 9.17% | 10.74% | 13.13% | Beats 22% | 88 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.99% | 76.54% | 86.37% | 98.93% | 55th pctl | 50 / 112 | | |
| Loans / Assets | 70.91% | 63.07% | 71.33% | 78.84% | 47th pctl | 60 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |