First State Bank
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
$1.2BAssets
$574.1MLoans
$1.1BDeposits
$108.5MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 86% of banks $1B-$10B in assets (rank 47 of 328).
- Widest gap: equity / assets trails 82% of banks $1B-$10B in assets (rank 270 of 328).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
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 | 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 |