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First State Bank

$100M-$1B Specialty: Commercial GA FDIC cert 19163

Wrens, GA

6 branches across GA

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 96 in GA.
  • Deposits +7.4% year over year ($444.8M on the books).
  • Delinquency rate 0.32%.
  • Return on assets 1.84%.
  • Efficiency ratio 44.90% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.45% 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 96 in GA
View $100M-$1B leaderboard (GA) →

First State Bank has 4 strengths but faces 4 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

  • + Efficiency Ratio 19.58% below tier average
  • + ROA 0.51% above tier average
  • + Net Interest Margin 0.51% above tier average
  • + Delinquency Rate 0.59% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 16.5% in tier
  • - Credit Quality Pressure: Bottom 23.3% in tier
  • - Liquidity Strain: Bottom 26.9% in tier
  • - Non-Interest-Bearing Deposit Share 12.87% below 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 (GA) National Avg Tier Percentile
Total Assets ? $512.7M
+6.5% YoY -0.3% QoQ
+$126.1M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
73%
Total Loans ? $415.6M
+4.7% YoY -0.8% QoQ
+$157.3M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
81%
Total Deposits ? $444.8M
+7.4% YoY -1.2% QoQ
+$118.0M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
74%
Return on Assets ? 1.84%
+8.4% YoY +3.0% QoQ
+0.51% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
81%
Net Interest Margin ? 4.50%
+4.2% YoY +2.4% QoQ
+0.51% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
80%
Efficiency Ratio ? 44.90%
-3.9% YoY +0.0% QoQ
-19.58% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
Top 8.9% in tier
Delinquency Rate ? 0.32%
+43.4% YoY +3.3% QoQ
-0.59% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
56%
Loan-to-Deposit Ratio ? 93.45%
-2.5% YoY +0.4% QoQ
+15.50% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
19%
Non-Interest-Bearing Deposit Share ? 9.16%
+3.4% YoY +24.9% QoQ
-12.87% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
Bottom 9.1% in tier
Nonperforming Asset Ratio ? 0.26%
+41.0% YoY +2.8% QoQ
-0.41% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
54%
Tier 1 Capital Ratio ? 10.53%
-8.7% YoY +7.1% QoQ
-5.38% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
17%
Non-Interest Income / Assets ? 0.17%
+1.1% YoY +95.1% QoQ
-0.39% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
42%

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 (GA) National Avg Tier Percentile
Noninterest-Bearing 9.2%
+0.3pp YoY
+1.8pp QoQ
 -13.0pp 22.1% 26.2% 22.2% 9%
Brokered Deposits 8.7%
+2.0pp YoY
-0.1pp QoQ
 +0.9pp 7.9% 7.5% 8.5% 71%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 15.2%
-0.6pp YoY
+0.2pp QoQ
 +3.7pp 11.6% 9.7% 12.5% 77%
CRE 38.2%
+0.9pp YoY
-0.7pp QoQ
 -1.4pp 39.5% 48.9% 41.4% 49%
1-4 Family 39.3%
+2.6pp YoY
+0.5pp QoQ
 +6.7pp 32.6% 31.7% 31.3% 69%
Consumer 1.2%
-0.1pp YoY
0.0pp QoQ
 -2.9pp 4.1% 4.8% 5.0% 34%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 20.9% 19.7% n/a
Leverage Ratio 10.5%
+1.0pp YoY
+0.7pp QoQ
 -1.6pp 12.2% 14.0% 12.6% 42%
Total Capital Ratio n/a n/a 19.9% 22.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 50
+6 (+13.6%) YoY
+1 (+2.0%) QoQ
 -9 58 98 482 53%
Assets per Employee ($) $10.3M
-6.3% YoY
-2.3% QoQ
 +$2.7M $7.5M $7.5M $8.8M 87%
Branch Count 6
0 YoY
0 QoQ
 +1 4 6 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.3%
+0.1pp YoY
0.0pp QoQ
 -0.6pp 0.9% 0.8% 1.0% 40%
Allowance Coverage 4.26x
-17.8% YoY
-0.9% QoQ
 -19.90x 24.15x 38.10x 20.23x 67%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 38%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 20.6%
-1.6pp YoY
-0.1pp QoQ
 +8.4pp 12.2% 13.6% 11.6% 89%
Cost of Funds (YTD) 2.9%
-0.2pp YoY
0.0pp QoQ
 +1.2pp 1.7% 1.6% 1.7% 96%
Net Income ($, YTD) $4.7M
+18.3% YoY
— QoQ
 +$2.2M $2.6M $6.6M $40.4M 86%

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 (3)

Credit Risk Growth

risk
#155 of 936 • Bottom 16.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#294 of 1256 • Bottom 23.3% in tier

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

Why this signature
Delinquency Rate: 0.32%
(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

Liquidity Strain

risk
#187 of 691 • Bottom 26.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 93.45%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

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 (4 metrics)

236
Efficiency Ratio
profitability
Value: 44.90%
Peer Median: 64.48%
#236 of 2643 Top 8.9% in $100M-$1B
494
Return on Assets
profitability
Value: 1.84%
Peer Median: 1.32%
#494 of 2643 Top 18.7% in $100M-$1B
509
Total Loans
size
Value: $415.64M
Peer Median: $258.35M
#509 of 2643 Top 19.2% in $100M-$1B
539
Net Interest Margin
profitability
Value: 4.50%
Peer Median: 3.99%
#539 of 2643 Top 20.4% in $100M-$1B

Top Weaknesses (3 metrics)

2404
Non-Interest-Bearing Deposit Share
funding
Value: 9.16%
Peer Median: 22.03%
#2404 of 2643 Bottom 9.1% in $100M-$1B
2190
Tier 1 Capital Ratio
capital
Value: 10.53%
Peer Median: 15.91%
#2190 of 2643 Bottom 17.2% in $100M-$1B
2135
Loan-to-Deposit Ratio
liquidity
Value: 93.45%
Peer Median: 77.95%
#2135 of 2643 Bottom 19.3% in $100M-$1B
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