First Security State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Security State Bank of Cranfills Gap, TX against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.46% | 1.25% | +0.21% | 60th above |
| ROAE | 28.81% | 12.22% | +16.59% | 97th top |
| Net Interest Margin | 3.55% | 3.95% | -0.40% | 29th below |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 62.80% | 63.71% | -0.91% | 45th below |
| PPNR / Avg Assets | 1.46% | — | — | 41st below |
| Yield on Earning Assets | 4.55% | 5.67% | -1.12% | 9th bottom |
| Cost of Funds | 1.03% | 1.87% | -0.84% | 90th top |
| Net Interest Spread | 3.13% | — | — | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 0.88% | -0.86% | 85th top |
| NPA / Total Assets | 0.01% | — | — | 87th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.15% | -0.11% | 27th below |
| ACL / Total Loans | 1.02% | — | — | 29th below |
| ACL / NPLs (Coverage) | 6818.18% | — | — | — |
| Texas Ratio | 0.12% | 5.96% | -5.84% | 85th top |
| Provision / NCO | -28.57% | — | — | 4th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.90% | 17.18% | +2.72% | 76th top |
| Tier 1 Ratio | 19.90% | 17.21% | +2.69% | 76th top |
| Total Capital Ratio | 20.97% | — | — | 77th top |
| Leverage Ratio | 7.60% | 11.75% | -4.15% | 1st bottom |
| Equity / Assets | 5.03% | 10.98% | -5.95% | 1st bottom |
| TCE / Tangible Assets | 4.70% | — | — | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 42.39% | 80.44% | -38.05% | 95th top |
| Core Deposit Ratio | 92.07% | 86.95% | +5.12% | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.59% | — | — | 11th bottom |
| Loan Growth (Y/Y) | 3.99% | — | — | 41st below |
| Deposit Growth (Y/Y) | 6.57% | — | — | 67th above |
See First Security State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Security State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Security State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Security State Bank peer analysis.