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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 0.79% | 1.09% | 1.06% | 1.02% | 1.01% | 1.15% | 1.06% | +1 bps | |
| Return on Equity | 18.59% | 10.82% | 14.89% | 16.09% | 16.46% | 13.12% | 13.21% | 12.28% | -381 bps | |
| Net Interest Margin | 2.94% | 2.95% | 3.09% | 3.06% | 3.00% | 3.09% | 3.05% | 2.95% | -10 bps | |
| Efficiency Ratio | 56.68% | 62.24% | 60.25% | 60.80% | 61.95% | 57.76% | 60.15% | 62.56% | +176 bps | |
| Non-Interest Burden | 1.34% | 1.66% | 1.67% | 1.65% | 1.65% | 1.56% | 1.63% | 1.68% | +3 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 | 0.10% | 0.11% | 0.02% | 0.03% | 0.04% | 0.15% | 0.00% | 0.06% | +2 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 | |