PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First State Bank

Randolph, NE · Cert 15364 · First State Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$86.3MAssets
$60.0MLoans
$54.2MDeposits
$8.9MEquity
Loan mix
91%RE $21.4M5%C&I $1.3M3%Consumer $0.8MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $46.9M14%Noninterest $7.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.96%, down 24 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.53%, down 120 bps from a year ago.
  • Funding: loans stand at 110.56% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.96%-24 bps YoY

Net Interest Margin (YTD, annualized)

2.82%-26 bps YoY

Efficiency Ratio (YTD, annualized)

63.15%+587 bps YoY

Tier 1 Leverage Ratio

10.53%-120 bps YoY

NIM

6.39%Q2 ’246.39%Q2 ’255.63%Q2 ’26-8%-8%

Non-interest income vs. expense

2.18%Q2 ’241.98%Q2 ’251.97%Q2 ’26-10%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.11%1.21%1.20%1.21%1.14%1.14%0.96%-24 bps
Return on Equity9.75%9.35%10.62%10.60%10.49%9.98%10.81%9.22%-137 bps
Net Interest Margin3.21%3.10%3.10%3.08%3.21%3.22%3.01%2.82%-26 bps
Efficiency Ratio59.55%60.78%57.37%57.28%57.82%59.85%59.26%63.15%+587 bps
Non-Interest Burden1.75%1.74%1.58%1.60%1.70%1.79%1.63%1.67%+8 bps
Growth
Asset Growth (YoY)7.43%6.95%8.93%8.52%2.81%8.55%14.03%12.19%+367 bps
Loan Growth (YoY)16.87%13.78%14.26%12.12%6.93%5.30%17.60%11.53%-59 bps
Deposit Growth (YoY)2.66%2.30%3.85%4.80%1.20%11.31%-0.11%-0.54%-535 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.84%1.74%1.73%1.74%1.72%1.65%1.47%1.55%-18 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.88%12.61%11.90%11.72%12.17%11.91%11.04%10.53%-120 bps
Total Risk-Based Capital12.88%12.61%11.90%11.72%12.17%11.91%11.04%10.53%-120 bps
Equity / Assets11.81%11.83%10.96%11.34%11.91%11.10%9.98%10.35%-99 bps
Liquidity & Funding
Loans / Deposits96.40%105.24%98.67%98.59%101.86%99.55%116.16%110.56%+1,197 bps
Liquid Assets / Assets2.39%2.41%2.34%1.65%1.67%1.61%1.53%1.48%-18 bps
CRE / Total Capitaln/an/an/an/a53.02%56.81%45.23%n/an/a