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: 3.69 percentage points lower than in Q1 2026, at 425.74%. Within Georgia, First State Bank is 37th of 121 on return on assets, 1.87% as of Q2 2026. First State Bank reported 1.87% on return on assets for Q2 2026, 0.61 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.53% |
| Equity capital to assets | 9.52% |
| Tangible equity to tangible assets | 9.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.32% |
| Non-performing assets ratio | 0.26% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.47% |
| Allowance for credit losses to loans | 1.36% |
| Reserve coverage of non-performing loans | 425.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.87% |
| Return on equity | 20.62% |
| Net interest margin | 4.46% |
| Efficiency ratio | 44.84% |
| Yield on earning assets | 7.23% |
| Cost of funds | 3.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.74% |
| Core deposits to total deposits | 84.26% |
| Brokered deposits to total deposits | 8.74% |
| Deposits to assets | 86.75% |
| Securities to assets | 9.77% |
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 | 11.62% | 11.62% | 12.74% | 9.09% | 1.07% |
| Q4 2023 | 11.30% | 11.30% | 12.41% | 8.82% | 1.07% |
| Q1 2024 | 11.48% | 11.48% | 12.60% | 8.83% | 1.30% |
| Q2 2024 | 11.44% | 11.44% | 12.55% | 8.77% | 1.29% |
| Q3 2024 | 11.53% | 11.53% | 12.64% | 8.95% | 1.37% |
| Q4 2024 | 11.41% | 11.41% | 12.64% | 8.71% | 1.14% |
| Q1 2025 | 11.52% | 11.52% | 12.73% | 9.23% | 1.64% |
| Q2 2025 | 11.54% | 11.54% | 12.74% | 9.53% | 1.71% |
| Q3 2025 | 12.05% | 12.05% | 13.27% | 9.60% | 1.84% |
| Q4 2025 | 12.27% | 12.27% | 13.53% | 9.53% | 1.31% |
| Q1 2026 | — | — | — | 9.83% | 1.76% |
| Q2 2026 | — | — | — | 10.53% | 1.87% |
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 19163) · FFIEC NIC profile (RSSD 36933)