1st State Bank
Saginaw, MI · Cert 57626 · Peer group: banks under $1B in assets (n=581-629) · 1st State Financial Ltd.
State charter, non-member · FDIC · 5 branches
Q2 2026
$490.1MAssets
$323.4MLoans
$428.8MDeposits
$58.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 71% of banks under $1B in assets (rank 185 of 629).
- Widest gap: net charge-offs / loans trails 84% of banks under $1B in assets (rank 487 of 581).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.34%
Rank 193 of 629
Net Interest Margin
3.95%
Rank 185 of 629
Efficiency Ratio
60.93%
Rank 191 of 629
Equity / Assets
11.98%
Rank 228 of 629
Non-interest income vs. expense
Unfavorable gap of $11.0M · efficiency ratio beats 70% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.34% | 0.60% | 1.01% | 1.45% | Beats 69% | 193 / 629 | | |
| Return on Equity | 11.15% | 5.38% | 9.30% | 13.28% | Beats 62% | 241 / 629 | | |
| Net Interest Margin | 3.95% | 3.03% | 3.54% | 4.05% | Beats 71% | 185 / 629 | | |
| Efficiency Ratio | 60.93% | 58.35% | 67.79% | 79.08% | Beats 70% | 191 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.35% | 0.09% | 0.46% | 1.20% | Beats 56% | 258 / 581 | | |
| Net Charge-Offs / Loans | 0.11% | n/a | 0.01% | 0.06% | Beats 16% | 487 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 14.97% | 11.24% | 13.84% | 18.77% | Beats 59% | 256 / 629 | | |
| Total Risk-Based Capital Ratio | 16.22% | 11.58% | 14.43% | 19.66% | Beats 62% | 237 / 629 | | |
| Equity / Assets | 11.98% | 9.09% | 10.65% | 13.80% | Beats 64% | 228 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.43% | 67.24% | 80.90% | 93.48% | 40th pctl | 354 / 594 | | |
| Loans / Assets | 66.00% | 53.31% | 67.71% | 78.15% | 46th pctl | 339 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |