First State Bank
Winchester, OH · Cert 9437 · Peer group: banks $1B-$10B in assets (n=313-319) · First State Bcorp Inc.
State charter, non-member · FDIC · 17 branches
Q2 2026
$1.2BAssets
$574.1MLoans
$1.1BDeposits
$108.5MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 87% of banks $1B-$10B in assets (rank 43 of 319).
- Widest gap: equity / assets trails 81% of banks $1B-$10B in assets (rank 259 of 319).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.06%
Rank 205 of 319
Net Interest Margin
2.95%
Rank 257 of 319
Efficiency Ratio
62.01%
Rank 185 of 319
Equity / Assets
8.74%
Rank 259 of 319
Non-interest income vs. expense
Unfavorable gap of $20.2M · efficiency ratio beats 42% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.91% | 1.21% | 1.53% | Beats 36% | 205 / 319 | |
| Return on Equity | 12.15% | 8.49% | 11.44% | 14.57% | Beats 55% | 143 / 319 | |
| Net Interest Margin | 2.95% | 3.06% | 3.43% | 3.81% | Beats 19% | 257 / 319 | |
| Efficiency Ratio | 62.01% | 51.90% | 59.57% | 67.64% | Beats 42% | 185 / 319 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.86% | 0.25% | 0.54% | 1.18% | Beats 33% | 211 / 313 | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.12% | Beats 57% | 136 / 313 | |
| Capital |
| Tier 1 Capital Ratio | 17.38% | 11.74% | 12.99% | 15.28% | Beats 87% | 43 / 319 | |
| Total Risk-Based Capital Ratio | 18.48% | 12.61% | 14.01% | 16.23% | Beats 87% | 43 / 319 | |
| Equity / Assets | 8.74% | 9.03% | 10.33% | 12.01% | Beats 19% | 259 / 319 | |
| Liquidity & Funding |
| Loans / Deposits | 52.30% | 76.76% | 88.16% | 95.43% | 4th pctl | 300 / 314 | |
| Loans / Assets | 46.27% | 65.79% | 74.05% | 79.84% | 7th pctl | 298 / 319 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |