First State Bank of Pineville, The
Pineville, KY · Cert 2710 · Peer group: banks under $1B in assets operating regionally (n=111)
FDIC · 8 branches
Q2 2025
$412.3MAssets
$356.6MLoans
$272.9MDeposits
$29.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 44% of banks under $1B in assets operating regionally (rank 62 of 111).
- Widest gap: return on assets trails 91% of banks under $1B in assets operating regionally (rank 101 of 111).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.36%
Rank 101 of 111
Net Interest Margin
3.51%
Rank 62 of 111
Efficiency Ratio
88.07%
Rank 100 of 111
Equity / Assets
7.26%
Rank 100 of 111
Non-interest income vs. expense
Unfavorable gap of $12.1M · efficiency ratio beats 11% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.36% | 0.64% | 0.98% | 1.32% | Beats 9% | 101 / 111 | | |
| Return on Equity | 5.01% | 7.10% | 10.13% | 13.93% | Beats 16% | 93 / 111 | | |
| Net Interest Margin | 3.51% | 3.21% | 3.61% | 4.08% | Beats 44% | 62 / 111 | | |
| Efficiency Ratio | 88.07% | 58.06% | 66.38% | 78.56% | Beats 11% | 100 / 111 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.61% | 0.13% | 0.50% | 1.04% | Beats 41% | 66 / 111 | | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 31% | 78 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 10.67% | 10.64% | 12.44% | 14.15% | Beats 25% | 83 / 111 | | |
| Total Risk-Based Capital Ratio | 11.92% | 11.13% | 13.14% | 15.30% | Beats 34% | 73 / 111 | | |
| Equity / Assets | 7.26% | 8.35% | 9.67% | 11.26% | Beats 10% | 100 / 111 | | |
| Liquidity & Funding |
| Loans / Deposits | 130.67% | 72.21% | 84.03% | 92.73% | 99th pctl | 1 / 111 | | |
| Loans / Assets | 86.49% | 63.34% | 70.74% | 79.65% | 95th pctl | 6 / 111 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |