First State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 24.45 percentage points higher than in Q1 2026, at 164.31%. First State Bank ranks 122nd of 345 Texas banks on return on assets, in the upper half at 1.71% (Q2 2026). First State Bank reported 1.71% on return on assets for Q2 2026, 0.45 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.44% |
| Equity capital to assets | 11.08% |
| Tangible equity to tangible assets | 11.08% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.80% |
| Non-performing assets ratio | 0.51% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 4.27% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 164.31% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.71% |
| Return on equity | 15.76% |
| Net interest margin | 4.53% |
| Efficiency ratio | 57.10% |
| Yield on earning assets | 5.61% |
| Cost of funds | 1.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.60% |
| Core deposits to total deposits | 86.12% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.89% |
| Securities to assets | 28.79% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.09% | 0.91% | 2.99% | 0.77% | 0.02% |
| Q4 2023 | 9.97% | 1.09% | 3.11% | 0.96% | 0.46% |
| Q1 2024 | 9.93% | 0.93% | 3.13% | 1.12% | 0.05% |
| Q2 2024 | 10.21% | 1.59% | 4.05% | 0.47% | -0.50% |
| Q3 2024 | 10.72% | 1.15% | 3.59% | 0.37% | 0.04% |
| Q4 2024 | 10.88% | 1.29% | 3.94% | 0.03% | 0.04% |
| Q1 2025 | 10.95% | 1.37% | 3.94% | 0.03% | -0.02% |
| Q2 2025 | 11.07% | 1.41% | 4.16% | 0.30% | 0.01% |
| Q3 2025 | 11.30% | 1.57% | 4.28% | 0.95% | 0.03% |
| Q4 2025 | 11.37% | 1.75% | 4.60% | 0.89% | 0.03% |
| Q1 2026 | 11.20% | 1.55% | 4.30% | 0.94% | 0.08% |
| Q2 2026 | 11.44% | 1.71% | 4.53% | 0.80% | -0.01% |
First State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15206) · FFIEC NIC profile (RSSD 264455)