Winchester, OH · Cert 9437 · First State Bcorp Inc.
State charter, non-member · FDIC · 17 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 $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
63
Asset Quality
43
Profitability
37
Liquidity
0
Efficiency
42
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.
Winchester, OH · Cert 9437 · First State Bcorp Inc.
State charter, non-member · FDIC · 17 branches
Q2 2026
Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.1% share · #27 of 54 inst. · $0.2B of $187.5B
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 | 1.06% | 1.00% | 1.09% | 1.07% | 1.06% | 1.04% | 1.15% | 1.10% | +3 bps | |
| Return on Equity | 15.31% | 14.22% | 14.89% | 15.73% | 15.69% | 14.57% | 13.21% | 12.68% | -305 bps | |
| Net Interest Margin | 2.70% | 2.79% | 3.09% | 3.02% | 2.96% | 2.99% | 3.05% | 2.95% | -8 bps | |
| Efficiency Ratio | 62.14% | 62.17% | 60.25% | 60.53% | 61.01% | 60.17% | 60.15% | 61.35% | +82 bps | |
| Non-Interest Burden | 1.46% | 1.53% | 1.67% | 1.63% | 1.61% | 1.59% | 1.63% | 1.63% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.59% | 5.93% | 8.31% | 4.97% | 4.20% | 11.06% | 10.67% | 10.71% | +574 bps | |
| Loan Growth (YoY) | 10.24% | 11.57% | 15.83% | 11.67% | 9.47% | 8.35% | 5.38% | 6.57% | -510 bps | |
| Deposit Growth (YoY) | 15.88% | 8.96% | 9.16% | 5.78% | 5.65% | 9.08% | 8.96% | 5.03% | -75 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.35% | 0.31% | 0.39% | 0.44% | 0.49% | 0.44% | 0.44% | 0.86% | +43 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.09% | 0.02% | 0.03% | 0.03% | 0.06% | 0.00% | 0.03% | 0 bps | |
| Allowance / Loans | 1.14% | 1.23% | 1.25% | 1.33% | 1.36% | 1.39% | 1.41% | 1.43% | +10 bps | |
| Allowance Coverage of NPLs | 3.3x | 3.9x | 3.2x | 3.1x | 2.8x | 3.1x | 3.2x | 1.7x | -1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.42% | 9.71% | 9.90% | 8.64% | 8.62% | 10.69% | 10.63% | 10.47% | +183 bps | |
| Total Risk-Based Capital | 17.57% | 17.57% | 17.40% | 15.65% | 15.64% | 18.54% | 18.18% | 18.48% | +283 bps | |
| Equity / Assets | 7.30% | 7.32% | 7.28% | 5.88% | 6.55% | 8.80% | 8.59% | 8.74% | +286 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.96% | 54.61% | 54.80% | 51.54% | 53.83% | 54.25% | 53.00% | 52.30% | +76 bps | |
| Liquid Assets / Assets | 6.03% | 4.85% | 6.82% | 7.29% | 4.36% | 4.36% | 4.33% | 6.59% | -70 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 253% | 210% | 216% | n/a | n/a | |
Winchester, OH · Cert 9437 · Peer group: banks $1B-$10B in assets (n=322-328) · First State Bcorp Inc.
State charter, non-member · FDIC · 17 branches
Q2 2026
Return on Assets
1.06%
Rank 213 of 328
Net Interest Margin
2.95%
Rank 260 of 328
Efficiency Ratio
62.01%
Rank 192 of 328
Equity / Assets
8.74%
Rank 270 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.06% | 0.91% | 1.22% | 1.52% | Beats 35% | 213 / 328 | ||
| Return on Equity | 12.15% | 8.43% | 11.45% | 14.43% | Beats 56% | 145 / 328 | ||
| Net Interest Margin | 2.95% | 3.03% | 3.45% | 3.83% | Beats 21% | 260 / 328 | ||
| Efficiency Ratio | 62.01% | 51.61% | 59.56% | 67.53% | Beats 42% | 192 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.86% | 0.24% | 0.51% | 1.03% | Beats 31% | 224 / 322 | ||
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.03% | 0.10% | Beats 54% | 148 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.38% | 11.75% | 13.15% | 15.47% | Beats 85% | 48 / 328 | ||
| Total Risk-Based Capital Ratio | 18.48% | 12.63% | 14.15% | 16.46% | Beats 86% | 47 / 328 | ||
| Equity / Assets | 8.74% | 9.15% | 10.33% | 12.01% | Beats 18% | 270 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 52.30% | 76.63% | 87.92% | 95.36% | 4th pctl | 309 / 323 | ||
| Loans / Assets | 46.27% | 65.18% | 74.15% | 79.98% | 7th pctl | 306 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||