First State Bank
Wrens, GA · Cert 19163 · Peer group: banks under $1B in assets in GA (n=58-59) · Csra Bank Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
$512.7MAssets
$421.4MLoans
$444.8MDeposits
$48.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 95% of banks under $1B in assets in GA (rank 3 of 59).
- Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets in GA (rank 54 of 59).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.84%
Rank 8 of 59
Net Interest Margin
4.23%
Rank 31 of 59
Efficiency Ratio
44.90%
Rank 6 of 59
Equity / Assets
9.52%
Rank 43 of 59
Non-interest income vs. expense
Unfavorable gap of $8.9M · efficiency ratio beats 92% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.84% | 0.94% | 1.46% | 1.76% | Beats 86% | 8 / 59 | |
| Return on Equity | 19.30% | 7.92% | 11.60% | 15.10% | Beats 95% | 3 / 59 | |
| Net Interest Margin | 4.23% | 3.66% | 4.24% | 4.75% | Beats 47% | 31 / 59 | |
| Efficiency Ratio | 44.90% | 51.87% | 60.25% | 70.24% | Beats 92% | 6 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.10% | 0.36% | 0.89% | Beats 60% | 24 / 58 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 72% | 17 / 58 | |
| Capital |
| Tier 1 Capital Ratio | 10.53% | 11.93% | 15.65% | 21.05% | Beats 12% | 52 / 59 | |
| Total Risk-Based Capital Ratio | 10.53% | 12.05% | 15.77% | 22.26% | Beats 8% | 54 / 59 | |
| Equity / Assets | 9.52% | 9.10% | 11.51% | 14.32% | Beats 27% | 43 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 94.74% | 59.62% | 72.81% | 85.44% | 90th pctl | 6 / 58 | |
| Loans / Assets | 82.19% | 49.55% | 64.39% | 73.73% | 93rd pctl | 4 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |