First 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: 154.02 percentage points lower than in Q1 2026, at 166.41%. First State Bank ranks 77th of 156 Ohio banks on return on assets, in the upper half at 1.04% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.27% on return on assets. First State Bank sits 0.23 points lower, at 1.04% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.38% |
| Tier 1 risk-based capital ratio | 17.38% |
| Total risk-based capital ratio | 18.48% |
| Tier 1 leverage ratio | 10.47% |
| Equity capital to assets | 8.74% |
| Tangible equity to tangible assets | 8.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.86% |
| Non-performing assets ratio | 0.40% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 4.31% |
| Allowance for credit losses to loans | 1.43% |
| Reserve coverage of non-performing loans | 166.41% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.04% |
| Return on equity | 12.28% |
| Net interest margin | 3.17% |
| Efficiency ratio | 60.37% |
| Yield on earning assets | 5.05% |
| Cost of funds | 2.06% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.30% |
| Core deposits to total deposits | 87.66% |
| Brokered deposits to total deposits | 8.96% |
| Deposits to assets | 88.47% |
| Securities to assets | 42.13% |
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 | 16.81% | 16.81% | 17.80% | 9.75% | 0.94% |
| Q4 2023 | 17.06% | 17.06% | 18.03% | 9.81% | 0.89% |
| Q1 2024 | 17.26% | 17.26% | 18.22% | 9.68% | 0.86% |
| Q2 2024 | 17.12% | 17.12% | 18.05% | 9.25% | 0.91% |
| Q3 2024 | 16.64% | 16.64% | 17.57% | 9.42% | 1.27% |
| Q4 2024 | 16.56% | 16.56% | 17.57% | 9.71% | 0.77% |
| Q1 2025 | 16.37% | 16.37% | 17.40% | 9.90% | 1.05% |
| Q2 2025 | 14.58% | 14.58% | 15.65% | 8.64% | 1.03% |
| Q3 2025 | 14.54% | 14.54% | 15.64% | 8.62% | 0.99% |
| Q4 2025 | 17.44% | 17.44% | 18.54% | 10.69% | 0.98% |
| Q1 2026 | 17.09% | 17.09% | 18.18% | 10.63% | 1.12% |
| Q2 2026 | 17.38% | 17.38% | 18.48% | 10.47% | 1.04% |
First State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 First State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9437) · FFIEC NIC profile (RSSD 294023)