First State Bank
Winchester, OH · Cert 9437 · Peer group: banks $1B-$10B in assets (n=311-317) · 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 86% of banks $1B-$10B in assets (rank 43 of 317).
- Widest gap: equity / assets trails 81% of banks $1B-$10B in assets (rank 258 of 317).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.06%
Rank 207 of 317
Net Interest Margin
2.95%
Rank 255 of 317
Efficiency Ratio
62.01%
Rank 184 of 317
Equity / Assets
8.74%
Rank 258 of 317
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% | 0.93% | 1.22% | 1.51% | Beats 35% | 207 / 317 | | |
| Return on Equity | 12.15% | 8.63% | 11.43% | 14.48% | Beats 56% | 140 / 317 | | |
| Net Interest Margin | 2.95% | 3.06% | 3.45% | 3.83% | Beats 20% | 255 / 317 | | |
| Efficiency Ratio | 62.01% | 51.90% | 59.69% | 67.53% | Beats 42% | 184 / 317 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.86% | 0.24% | 0.51% | 1.14% | Beats 33% | 210 / 311 | | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.12% | Beats 56% | 137 / 311 | | |
| Capital |
| Tier 1 Capital Ratio | 17.38% | 11.75% | 13.15% | 15.30% | Beats 86% | 43 / 317 | | |
| Total Risk-Based Capital Ratio | 18.48% | 12.63% | 14.21% | 16.26% | Beats 86% | 43 / 317 | | |
| Equity / Assets | 8.74% | 9.06% | 10.32% | 11.95% | Beats 19% | 258 / 317 | | |
| Liquidity & Funding |
| Loans / Deposits | 52.30% | 76.63% | 88.04% | 95.67% | 4th pctl | 298 / 312 | | |
| Loans / Assets | 46.27% | 65.41% | 74.05% | 79.71% | 7th pctl | 296 / 317 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |