First State Bank of Porter: how it compares with its peers
Against 22 IN banks with half to twice its assets, First State Bank of Porter's strongest measure in Q2 2026 is assets per employee ($6.5M vs. a $5.9M peer median). Its weakest relative measure is net interest margin (3.50% vs. 3.67%).
| Measure | First State Bank of Porter | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.85% | 1.00% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.50% | 3.67% | Middle third Ahead of 36% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.69% | 69.57% | Middle third Ahead of 36% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $5.9M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 54.20% | 78.85% | Context |
What it means for lending operations
Its efficiency ratio of 74.69% is above the 69.57% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Community State Bank Brook, IN · $161M
- First Federal Savings and Loan Association of Greensburg Greensburg, IN · $159M
- Community State Bank Royal Center, IN · $176M
- LNB Community Bank Lynnville, IN · $181M
- The Home National Bank of Thorntown Thorntown, IN · $186M
- First Federal Savings Bank of Angola Angola, IN · $137M
Questions about First State Bank of Porter
How big is First State Bank of Porter?
First State Bank of Porter, established in 1920, is headquartered in Porter, IN. It reported $162M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is First State Bank of Porter's return on assets?
0.85% annualized in Q2 2026, against a 1.00% median for 22 IN banks with half to twice its assets, ahead of 45% of them.
What is First State Bank of Porter's efficiency ratio?
74.69% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 69.57%, and lower is better.
Is First State Bank of Porter growing its loans?
Net loans grew 1.2% over the year to Q2 2026, while deposits grew 1.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Indiana bank ranked.