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.
Reserve coverage of non-performing loans dropped 64.29 percentage points in Q2 2026, from 149.91% to 85.62%. It was the largest change from Q1 2026 among the key lines here. Within Texas, First State Bank is 101st of 345 on return on assets, 1.78% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. First State Bank sits 0.52 points higher, at 1.78% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.57% |
| Equity capital to assets | 12.80% |
| Tangible equity to tangible assets | 12.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.45% |
| Non-performing assets ratio | 1.16% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 25.75% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | 85.62% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.78% |
| Return on equity | 14.39% |
| Net interest margin | 4.21% |
| Efficiency ratio | 56.70% |
| Yield on earning assets | 6.43% |
| Cost of funds | 2.50% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.59% |
| Core deposits to total deposits | 65.50% |
| Brokered deposits to total deposits | 18.88% |
| Deposits to assets | 83.70% |
| Securities to assets | 5.92% |
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 | 9.74% | 1.30% | 3.67% | 0.00% | 0.04% |
| Q4 2023 | 9.95% | 1.52% | 3.52% | 0.23% | 0.02% |
| Q1 2024 | 10.51% | 1.41% | 3.61% | 0.41% | 0.25% |
| Q2 2024 | 10.94% | 1.18% | 3.80% | 1.62% | 0.01% |
| Q3 2024 | 11.18% | 1.46% | 4.13% | 1.49% | 0.16% |
| Q4 2024 | 11.39% | 1.72% | 4.21% | 1.60% | 0.50% |
| Q1 2025 | 11.56% | 1.58% | 4.08% | 1.03% | 0.08% |
| Q2 2025 | 11.67% | 1.59% | 4.17% | 0.89% | 0.76% |
| Q3 2025 | 12.36% | 1.90% | 4.58% | 1.19% | 0.04% |
| Q4 2025 | 12.84% | 1.76% | 4.54% | 0.96% | -0.18% |
| Q1 2026 | 12.65% | 1.69% | 4.39% | 0.80% | 0.28% |
| Q2 2026 | 12.57% | 1.78% | 4.21% | 1.45% | 0.00% |
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 1218) · FFIEC NIC profile (RSSD 407168)