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 Athens, 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 | 1.71% | 1.25% | +0.46% | 74th above |
| ROAE | 15.76% | 13.17% | +2.59% | 70th above |
| Net Interest Margin | 4.53% | 3.95% | +0.58% | 80th top |
| Efficiency Ratio | 57.10% | 61.50% | -4.40% | 62nd above |
| PPNR / Avg Assets | 2.16% | — | — | 78th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.61% | 5.67% | -0.06% | 50th above |
| Cost of Funds | 1.18% | 1.87% | -0.69% | 85th top |
| Net Interest Spread | 3.68% | — | — | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.80% | 0.93% | -0.13% | 33rd below |
| NPA / Total Assets | 0.51% | — | — | 38th below |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 85th top |
| ACL / Total Loans | 1.32% | — | — | 64th above |
| ACL / NPLs (Coverage) | 164.31% | — | — | 42nd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.27% | 6.06% | -1.79% | 39th below |
| Provision / NCO | 71.95% | — | — | 32nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.44% | 11.75% | -0.31% | 57th above |
| Equity / Assets | 11.08% | 10.98% | +0.10% | 61st above |
| TCE / Tangible Assets | 11.08% | — | — | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.60% | 80.44% | -8.84% | 68th above |
| Core Deposit Ratio | 86.12% | 86.95% | -0.83% | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.23% | — | — | 63rd above |
| Loan Growth (Y/Y) | -3.18% | — | — | 11th bottom |
| Deposit Growth (Y/Y) | 5.46% | — | — | 60th above |
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.