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First State Bank

$100M-$1B Specialty: Commercial WI FDIC cert 15271

New London, WI

8 branches across WI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
  • Deposits +2.7% year over year ($449.8M on the books).
  • Delinquency rate 0.12%.
  • Return on assets 0.83%.
  • Efficiency ratio 71.42% vs a 64.48% peer average.
  • Loan-to-deposit ratio 87.10% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI
View $100M-$1B leaderboard (WI) →

First State Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.80% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 11.3% in tier
  • - Capital Thin: Bottom 46.3% in tier
  • - ROA 0.50% below tier average
  • - Net Interest Margin 0.11% below tier average
  • - Efficiency Ratio 6.94% above tier average
Get updates when First State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $558.1M
+6.7% YoY +0.8% QoQ
+$171.5M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
77%
Total Loans ? $391.8M
+17.3% YoY +2.5% QoQ
+$133.4M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
79%
Total Deposits ? $449.8M
+2.7% YoY -1.5% QoQ
+$123.0M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
75%
Return on Assets ? 0.83%
+72.3% YoY +22.5% QoQ
-0.50% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
25%
Net Interest Margin ? 3.88%
+15.8% YoY +4.6% QoQ
-0.11% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
47%
Efficiency Ratio ? 71.42%
-12.6% YoY -4.3% QoQ
+6.94% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
27%
Delinquency Rate ? 0.12%
+61.9% YoY -8.1% QoQ
-0.80% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
73%
Loan-to-Deposit Ratio ? 87.10%
+14.2% YoY +4.0% QoQ
+9.15% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
32%
Non-Interest-Bearing Deposit Share ? 19.95%
-4.1% YoY +4.1% QoQ
-2.08% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
45%
Nonperforming Asset Ratio ? 0.08%
+77.9% YoY -6.6% QoQ
-0.59% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
73%
Tier 1 Capital Ratio ? 9.80%
+1.2% YoY +1.0% QoQ
-6.11% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
Bottom 8.2% in tier
Non-Interest Income / Assets ? 0.22%
-2.5% YoY +106.9% QoQ
-0.35% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
55%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Noninterest-Bearing 19.9%
-0.8pp YoY
+0.8pp QoQ
 -2.2pp 22.1% 18.9% 22.2% 45%
Brokered Deposits 3.3%
+2.4pp YoY
0.0pp QoQ
 -4.5pp 7.9% 9.2% 8.5% 40%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 6.3%
-1.1pp YoY
-0.2pp QoQ
 -5.2pp 11.6% 10.5% 12.5% 28%
CRE 58.3%
+6.0pp YoY
-0.2pp QoQ
 +18.7pp 39.5% 46.4% 41.4% 82%
1-4 Family 22.1%
-4.5pp YoY
+1.2pp QoQ
 -10.5pp 32.6% 32.3% 31.3% 34%
Consumer 0.8%
-0.3pp YoY
-0.1pp QoQ
 -3.3pp 4.1% 2.6% 5.0% 23%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.5% 19.7% n/a
Leverage Ratio 9.8%
+0.1pp YoY
+0.1pp QoQ
 -2.4pp 12.2% 12.6% 12.6% 27%
Total Capital Ratio n/a n/a 19.9% 16.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 94
+4 (+4.4%) YoY
-1 (-1.1%) QoQ
 +35 58 134 482 84%
Assets per Employee ($) $5.9M
+2.2% YoY
+1.9% QoQ
 -$1.6M $7.5M $8.2M $8.8M 32%
Branch Count 8
0 YoY
0 QoQ
 +3 4 9 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 2%
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.9% 1.0% 20%
Allowance Coverage 8.52x
-43.4% YoY
+7.8% QoQ
 -15.63x 24.15x 56.89x 20.23x 80%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.0% 0.2% 53%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 9.4%
+3.6pp YoY
+1.7pp QoQ
 -2.8pp 12.2% 11.8% 11.6% 33%
Cost of Funds (YTD) 1.5%
0.0pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.8% 1.7% 39%
Net Income ($, YTD) $2.3M
+82.5% YoY
— QoQ
 -$244K $2.6M $7.9M $40.4M 58%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk
#143 of 1256 • Bottom 11.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.12%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Capital Thin

risk
#307 of 661 • Bottom 46.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.80%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

569
Total Loans
size
Value: $391.77M
Peer Median: $258.35M
#569 of 2643 Top 21.5% in $100M-$1B
606
Total Assets
size
Value: $558.09M
Peer Median: $386.57M
#606 of 2643 Top 22.9% in $100M-$1B

Top Weaknesses (2 metrics)

2427
Tier 1 Capital Ratio
capital
Value: 9.80%
Peer Median: 15.91%
#2427 of 2643 Bottom 8.2% in $100M-$1B
1994
Return on Assets
profitability
Value: 0.83%
Peer Median: 1.32%
#1994 of 2643 Bottom 24.6% in $100M-$1B
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