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.
Deposits to assets dropped 3.96 percentage points in Q2 2026, from 86.41% to 82.45%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, The First State Bank is 37th of 182 on return on assets, 1.85% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. The First State Bank sits 0.59 points higher, at 1.85% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.05% |
| Equity capital to assets | 10.99% |
| Tangible equity to tangible assets | 10.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 0.59% |
| Allowance for credit losses to loans | 1.90% |
| Reserve coverage of non-performing loans | 2290.68% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.85% |
| Return on equity | 17.68% |
| Net interest margin | 4.14% |
| Efficiency ratio | 50.70% |
| Yield on earning assets | 5.56% |
| Cost of funds | 1.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.84% |
| Core deposits to total deposits | 90.55% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.45% |
| Securities to assets | 37.67% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.38% | 1.05% | 3.09% | 0.23% | 0.01% |
| Q4 2023 | 10.49% | 1.01% | 3.24% | 0.23% | -0.09% |
| Q1 2024 | 10.91% | 1.24% | 3.43% | 0.20% | -0.01% |
| Q2 2024 | 10.90% | 1.34% | 3.39% | 0.15% | 0.00% |
| Q3 2024 | 10.95% | 1.43% | 3.37% | 0.16% | 0.00% |
| Q4 2024 | 11.14% | 1.59% | 3.56% | 0.17% | 0.05% |
| Q1 2025 | 11.61% | 1.32% | 3.53% | 0.20% | 0.02% |
| Q2 2025 | 11.87% | 1.64% | 3.71% | 0.27% | 0.15% |
| Q3 2025 | 11.99% | 1.76% | 3.92% | 0.18% | 0.09% |
| Q4 2025 | 12.19% | 1.68% | 3.88% | 0.15% | 0.00% |
| Q1 2026 | 12.54% | 1.77% | 4.07% | 0.14% | 0.19% |
| Q2 2026 | 13.05% | 1.85% | 4.14% | 0.08% | 0.10% |
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 5835) · FFIEC NIC profile (RSSD 394259)