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 Stratford, 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 | 2.18% | 1.25% | +0.93% | 89th top |
| ROAE | 18.87% | 13.17% | +5.70% | 83rd top |
| Net Interest Margin | 4.09% | 3.95% | +0.14% | 57th above |
| Efficiency Ratio | 40.76% | 61.50% | -20.74% | 95th top |
| PPNR / Avg Assets | 2.55% | — | — | 90th top |
| Yield on Earning Assets | 5.72% | 5.67% | +0.05% | 55th above |
| Cost of Funds | 1.41% | 1.87% | -0.46% | 74th above |
| Net Interest Spread | 3.07% | — | — | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.93% | -0.93% | 93rd top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.59% | — | — | 4th bottom |
| Texas Ratio | 0.00% | 6.06% | -6.06% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.58% | 11.75% | +0.83% | 71st above |
| Equity / Assets | 11.75% | 10.98% | +0.77% | 68th above |
| TCE / Tangible Assets | 11.55% | — | — | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.16% | 80.44% | -5.28% | 62nd above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.64% | 86.95% | +0.69% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.81% | — | — | 67th above |
| Loan Growth (Y/Y) | 32.03% | — | — | 97th top |
| Deposit Growth (Y/Y) | 5.80% | — | — | 62nd 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.