1.20%
+13.1%y/y
Peer standing47th percentile
FDIC
NETINC + ROAFS
First State Bank
Eastpointe, MichiganFDIC Cert #15032
STATEEstablished 191711 branches
Holding company: FIRST STATE FINANCIAL CORPRegulator: FED
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
12.74%
+3.0%y/y
Peer standing54th percentile
FDIC
NETINC + ROE1.50%
+13.1%y/y
Peer standing49th percentile
FDIC
PTAXNETINC + ASSET3.63%
+10.2%y/y
Peer standing44th percentile
FDIC
NIM + NIMY5.65%
+3.0%y/y
Peer standing53rd percentile
FDIC
INTINCY2.46%
−5.5%y/y
Peer standing59th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
63.13%
−4.3%y/y
Peer standing39th percentile
FDIC
NONIX + NIM + NONII + EEFFR2.68%
+3.9%y/y
Peer standing37th percentile
FDIC
NONIX + ASSET19.09%
−6.5%y/y
Percentile by value75th percentileby value
FDIC
NONII + NIM+1.84%
−48.4%y/y
Percentile by value22nd percentileby value
FDIC
ASSET+0.85%
−95.0%y/y
Percentile by value23rd percentileby value
FDIC
DEP+23.45%
+33.3%y/y
Percentile by value93rd percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.20%47th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.65%Median 1.24%90th 2.04%Observations 525
ROE
FDIC
NETINC + ROE12.74%53rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.55%Median 12.35%90th 20.15%Observations 525
NIM
FDIC
NIM + NIMY3.63%44th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.96%Median 3.74%90th 4.63%Observations 525
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR63.13%39th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.09%Median 59.83%90th 76.32%Observations 525
Deposits YoY
FDIC
DEP+0.85%22nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.14%Median +5.35%90th +19.38%Observations 524
Loans YoY
FDIC
LNLSNET+23.45%92nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.07%Median +6.46%90th +18.14%Observations 522
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.81%65th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.95%Observations 523
Leverage
FDIC
RBC1AAJ9.77%32nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.84%Median 10.43%90th 13.44%Observations 525
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.46%59th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.74%Median 2.62%90th 3.59%Observations 524
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 104%Median 233%90th 354%Observations 398
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.20%50th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.50%Median 1.20%90th 1.95%Observations 69
ROE
FDIC
NETINC + ROE12.74%62nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.68%Median 11.63%90th 18.36%Observations 69
NIM
FDIC
NIM + NIMY3.63%24th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.21%Median 4.02%90th 4.82%Observations 69
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR63.13%56th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.54%Median 64.09%90th 83.92%Observations 69
Deposits YoY
FDIC
DEP+0.85%30th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.42%Median +2.69%90th +17.14%Observations 69
Loans YoY
FDIC
LNLSNET+23.45%88th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.34%Median +7.34%90th +24.03%Observations 68
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.81%60th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.03%Median 0.51%90th 1.64%Observations 68
Leverage
FDIC
RBC1AAJ9.77%42nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.61%Median 10.11%90th 13.18%Observations 69
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.46%31st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.19%Median 2.11%90th 3.35%Observations 69
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 57%Median 153%90th 290%Observations 45
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.