Fort Payne, AL · Cert 23815 · First St Bancshares Dekalb Cnty
State charter, non-member · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
86
Asset Quality
37
Profitability
94
Liquidity
73
Efficiency
93
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Fort Payne, AL · Cert 23815 · First St Bancshares Dekalb Cnty
State charter, non-member · FDIC · 5 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.37% | 2.13% | 2.29% | 2.35% | 2.35% | 2.26% | 2.27% | 2.26% | -9 bps | |
| Return on Equity | 23.04% | 20.47% | 20.71% | 20.51% | 19.88% | 18.85% | 17.49% | 17.06% | -345 bps | |
| Net Interest Margin | 5.28% | 5.16% | 5.35% | 5.34% | 5.33% | 5.18% | 5.26% | 5.07% | -27 bps | |
| Efficiency Ratio | 40.99% | 43.28% | 41.30% | 40.75% | 40.56% | 42.29% | 45.17% | 44.14% | +339 bps | |
| Non-Interest Burden | 2.00% | 2.07% | 2.06% | 2.02% | 1.98% | 2.02% | 2.20% | 2.06% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.39% | 3.32% | 5.21% | 4.56% | 4.78% | 3.30% | 2.64% | 3.97% | -59 bps | |
| Loan Growth (YoY) | -2.35% | 0.85% | 8.59% | 11.67% | 17.01% | 8.05% | 7.38% | 9.18% | -248 bps | |
| Deposit Growth (YoY) | -1.26% | 2.24% | 4.23% | 3.41% | 3.14% | 2.06% | 1.53% | 3.30% | -11 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.02% | 2.13% | 1.97% | 1.37% | 1.38% | 1.47% | 0.98% | 0.84% | -53 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.14% | 0.35% | 0.26% | 0.20% | 0.19% | 0.00% | 0.02% | -25 bps | |
| Allowance / Loans | 1.23% | 1.33% | 1.31% | 1.28% | 1.30% | 1.39% | 1.36% | 1.33% | +6 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.6x | 0.7x | 0.9x | 0.9x | 0.9x | 1.4x | 1.6x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.36% | 12.05% | 12.37% | 13.11% | 13.53% | 13.50% | 13.96% | 14.13% | +102 bps | |
| Total Risk-Based Capital | 21.45% | 22.46% | 21.15% | 23.25% | 23.92% | 24.20% | 25.17% | 25.28% | +204 bps | |
| Equity / Assets | 11.63% | 10.71% | 11.45% | 12.20% | 13.00% | 12.69% | 13.31% | 13.78% | +158 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.75% | 60.01% | 62.49% | 65.83% | 68.92% | 63.53% | 66.09% | 69.58% | +375 bps | |
| Liquid Assets / Assets | 7.23% | 9.95% | 7.36% | 9.42% | 5.35% | 7.09% | 8.00% | 4.72% | -470 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 124.80% | 116.80% | 116.87% | n/a | n/a | |
Fort Payne, AL · Cert 23815 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First St Bancshares Dekalb Cnty
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
2.26%
Rank 24 of 746
Net Interest Margin
5.07%
Rank 27 of 746
Efficiency Ratio
44.92%
Rank 52 of 746
Equity / Assets
13.78%
Rank 155 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.26% | 0.72% | 1.06% | 1.45% | Beats 97% | 24 / 746 | ||
| Return on Equity | 16.43% | 6.74% | 10.51% | 13.63% | Beats 89% | 80 / 746 | ||
| Net Interest Margin | 5.07% | 3.17% | 3.68% | 4.16% | Beats 96% | 27 / 746 | ||
| Efficiency Ratio | 44.92% | 55.74% | 64.58% | 75.47% | Beats 93% | 52 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.84% | 0.09% | 0.42% | 1.07% | Beats 32% | 508 / 743 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 42% | 431 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.03% | 11.55% | 13.75% | 17.60% | Beats 90% | 73 / 746 | ||
| Total Risk-Based Capital Ratio | 25.28% | 11.71% | 14.33% | 18.43% | Beats 90% | 72 / 746 | ||
| Equity / Assets | 13.78% | 8.90% | 10.51% | 13.06% | Beats 79% | 155 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.58% | 61.31% | 78.27% | 90.78% | 35th pctl | 486 / 746 | ||
| Loans / Assets | 58.79% | 53.60% | 66.97% | 76.08% | 34th pctl | 496 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||