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 Spearman, 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 | 1.78% | 1.25% | +0.53% | 77th top |
| ROAE | 14.39% | 13.17% | +1.22% | 62nd above |
| Net Interest Margin | 4.21% | 3.95% | +0.26% | 65th above |
| Efficiency Ratio | 56.70% | 61.50% | -4.80% | 63rd above |
| PPNR / Avg Assets | 1.91% | — | — | 68th above |
| Yield on Earning Assets | 6.43% | 5.67% | +0.76% | 85th top |
| Cost of Funds | 2.50% | 1.87% | +0.63% | 15th bottom |
| Net Interest Spread | 3.15% | — | — | 40th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.45% | 0.93% | +0.52% | 19th bottom |
| NPA / Total Assets | 1.16% | — | — | 17th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 47th below |
| ACL / Total Loans | 1.25% | — | — | 56th above |
| ACL / NPLs (Coverage) | 85.62% | — | — | 23rd bottom |
| Texas Ratio | 25.75% | 6.06% | +19.69% | 3rd bottom |
| Provision / NCO | 126.26% | — | — | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.57% | 11.75% | +0.82% | 71st above |
| Equity / Assets | 12.80% | 10.98% | +1.82% | 77th top |
| TCE / Tangible Assets | 12.80% | — | — | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.59% | 80.44% | +15.15% | 17th bottom |
| Core Deposit Ratio | 65.50% | 86.95% | -21.45% | 3rd bottom |
| Wholesale Funding Ratio | 3.01% | — | — | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.11% | — | — | 32nd below |
| Loan Growth (Y/Y) | -1.29% | — | — | 17th bottom |
| Deposit Growth (Y/Y) | -2.33% | — | — | 12th bottom |
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.