1st State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 203.65 percentage points higher than in Q1 2026, at 472.24%. Within Michigan, 1st State Bank is 30th of 72 on return on assets, 1.33% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. 1st State Bank sits 0.08 points higher, at 1.33% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.97% |
| Tier 1 risk-based capital ratio | 14.97% |
| Total risk-based capital ratio | 16.22% |
| Tier 1 leverage ratio | 12.27% |
| Equity capital to assets | 11.98% |
| Tangible equity to tangible assets | 11.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.34% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | 0.45% |
| Texas ratio | 2.38% |
| Allowance for credit losses to loans | 1.60% |
| Reserve coverage of non-performing loans | 472.24% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.33% |
| Return on equity | 11.19% |
| Net interest margin | 4.22% |
| Efficiency ratio | 61.66% |
| Yield on earning assets | 5.67% |
| Cost of funds | 1.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.43% |
| Core deposits to total deposits | 98.36% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.49% |
| Securities to assets | 12.54% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.56% | 12.56% | 13.81% | 9.33% | 1.43% |
| Q4 2023 | 13.01% | 13.01% | 14.26% | 9.68% | 0.81% |
| Q1 2024 | 13.57% | 13.57% | 14.82% | 9.79% | 1.10% |
| Q2 2024 | 13.41% | 13.41% | 14.66% | 10.09% | 0.55% |
| Q3 2024 | 13.98% | 13.98% | 15.23% | 10.43% | 1.26% |
| Q4 2024 | 14.29% | 14.29% | 15.54% | 10.94% | 1.30% |
| Q1 2025 | 13.55% | 13.55% | 14.80% | 11.39% | 1.14% |
| Q2 2025 | 13.92% | 13.92% | 15.17% | 11.57% | 1.32% |
| Q3 2025 | 14.63% | 14.63% | 15.89% | 11.65% | 1.46% |
| Q4 2025 | 14.68% | 14.68% | 15.93% | 11.81% | 1.55% |
| Q1 2026 | 14.78% | 14.78% | 16.03% | 11.86% | 1.35% |
| Q2 2026 | 14.97% | 14.97% | 16.22% | 12.27% | 1.33% |
1st State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full 1st State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57626) · FFIEC NIC profile (RSSD 3223305)