The 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 Loan-to-deposit ratio: 6.26 percentage points higher than in Q1 2026, at 50.74%. The First State Bank ranks 143rd of 182 Kansas banks on return on assets, in the lower half at 1.06% (Q2 2026). The median for banks in the < $100M asset tier is 1.00% on return on assets. The First State Bank sits 0.06 points higher, at 1.06% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.34% |
| Tier 1 risk-based capital ratio | 21.34% |
| Total risk-based capital ratio | 22.59% |
| Tier 1 leverage ratio | 15.27% |
| Equity capital to assets | 11.54% |
| Tangible equity to tangible assets | 11.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 2.36% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.06% |
| Return on equity | 9.97% |
| Net interest margin | 3.05% |
| Efficiency ratio | 60.32% |
| Yield on earning assets | 4.35% |
| Cost of funds | 1.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 50.74% |
| Core deposits to total deposits | 83.58% |
| Brokered deposits to total deposits | 5.42% |
| Deposits to assets | 87.92% |
| Securities to assets | 46.35% |
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 | 24.68% | 24.68% | 25.94% | 16.02% | 0.65% |
| Q4 2023 | 24.19% | 24.19% | 25.45% | 15.90% | -0.22% |
| Q1 2024 | 22.98% | 22.98% | 24.23% | 15.26% | 1.25% |
| Q2 2024 | 22.49% | 22.49% | 23.74% | 14.52% | 0.93% |
| Q3 2024 | 22.44% | 22.44% | 23.69% | 14.89% | 0.79% |
| Q4 2024 | 21.97% | 21.97% | 23.22% | 15.01% | -0.05% |
| Q1 2025 | 22.10% | 22.10% | 23.35% | 14.70% | 0.93% |
| Q2 2025 | 21.41% | 21.41% | 22.66% | 15.10% | 0.90% |
| Q3 2025 | 22.47% | 22.47% | 23.72% | 14.97% | 0.62% |
| Q4 2025 | 21.90% | 21.90% | 23.16% | 15.34% | -0.05% |
| Q1 2026 | 22.05% | 22.05% | 23.31% | 14.91% | 1.33% |
| Q2 2026 | 21.34% | 21.34% | 22.59% | 15.27% | 1.06% |
The First State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The First State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10503) · FFIEC NIC profile (RSSD 275657)