First State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First State Bank of Graham, 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 | 1.62% | 1.25% | +0.37% | 69th above |
| ROAE | 19.44% | 12.22% | +7.22% | 85th top |
| Net Interest Margin | 3.95% | 3.95% | +0.00% | 50th above |
| Efficiency Ratio | 59.55% | 63.71% | -4.16% | 55th above |
| PPNR / Avg Assets | 1.66% | — | — | 54th above |
| Yield on Earning Assets | 5.59% | 5.67% | -0.08% | 49th below |
| Cost of Funds | 1.69% | 1.87% | -0.18% | 57th above |
| Net Interest Spread | 3.01% | — | — | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 94th top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 42nd below |
| ACL / Total Loans | 1.01% | — | — | 27th below |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 94th top |
| Provision / NCO | 1100.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.14% | 17.18% | -0.04% | 64th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.14% | 17.21% | -0.07% | 64th above |
| Total Capital Ratio | 18.08% | — | — | 63rd above |
| Leverage Ratio | 10.08% | 11.75% | -1.67% | 33rd below |
| Equity / Assets | 8.30% | 10.98% | -2.68% | 16th bottom |
| TCE / Tangible Assets | 8.30% | — | — | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.07% | 80.44% | -19.37% | 82nd top |
| Core Deposit Ratio | 83.77% | 86.95% | -3.18% | 27th below |
| Wholesale Funding Ratio | 1.68% | — | — | 73rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.52% | — | — | 77th top |
| Loan Growth (Y/Y) | 11.77% | — | — | 78th top |
| Deposit Growth (Y/Y) | 8.69% | — | — | 78th top |
See First 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 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 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 State Bank peer analysis.