New London, WI · Cert 15271 · First State Bancshares Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.48% | 0.57% | 0.65% | 0.68% | 0.83% | +35 bps | |
| Return on Equity | 5.83% | 6.79% | 7.72% | 7.76% | 9.42% | +358 bps | |
| Net Interest Margin | 3.02% | 3.12% | 3.22% | 3.40% | 3.56% | +54 bps | |
| Efficiency Ratio | 81.69% | 77.35% | 75.60% | 74.61% | 71.42% | -1,027 bps | |
| Non-Interest Burden | 2.48% | 2.42% | 2.43% | 2.52% | 2.51% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.10% | -1.24% | 5.39% | 5.74% | 6.71% | +782 bps | |
| Loan Growth (YoY) | -0.31% | 5.24% | 13.59% | 16.22% | 17.16% | +1,747 bps | |
| Deposit Growth (YoY) | -3.69% | -3.20% | 1.60% | 1.91% | 2.73% | +641 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.07% | 0.08% | 0.08% | 0.13% | 0.12% | +5 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.01% | 0.03% | 0.02% | 0 bps | |
| Allowance / Loans | 1.10% | 1.04% | 0.97% | 1.02% | 1.01% | -9 bps | |
| Allowance Coverage of NPLs | 15.1x | 13.2x | 12.4x | 7.9x | 8.5x | -6.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.68% | 9.91% | 9.82% | 9.71% | 9.80% | +12 bps | |
| Total Risk-Based Capital | 9.68% | 9.91% | 9.82% | 9.71% | 9.80% | +12 bps | |
| Equity / Assets | 8.48% | 9.04% | 8.59% | 8.82% | 8.94% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.15% | 80.88% | 83.86% | 84.63% | 87.99% | +1,084 bps | |
| Liquid Assets / Assets | 0.90% | 1.00% | 0.93% | 0.69% | 0.68% | -22 bps | |
| CRE / Total Capital | n/a | 368% | 417% | 411% | n/a | n/a | |