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 Loan-to-deposit ratio: 4.94 percentage points higher than in Q1 2026, at 75.16%. First State Bank ranks 48th of 345 Texas banks on return on assets, in the upper half at 2.18% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, First State Bank reported 2.18% on return on assets in Q2 2026, 0.92 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.58% |
| Equity capital to assets | 11.75% |
| Tangible equity to tangible assets | 11.55% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.59% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.18% |
| Return on equity | 18.87% |
| Net interest margin | 4.09% |
| Efficiency ratio | 40.76% |
| Yield on earning assets | 5.72% |
| Cost of funds | 1.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.16% |
| Core deposits to total deposits | 87.64% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.77% |
| Securities to assets | 20.16% |
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 | 11.25% | 1.64% | 3.11% | 0.00% | 0.00% |
| Q4 2023 | 11.05% | 1.88% | 3.10% | 0.00% | 0.00% |
| Q1 2024 | 10.71% | 1.78% | 3.24% | 0.00% | 0.00% |
| Q2 2024 | 11.38% | 1.98% | 3.46% | 0.00% | 0.00% |
| Q3 2024 | 11.81% | 2.13% | 3.66% | 0.00% | 0.00% |
| Q4 2024 | 12.34% | 2.13% | 3.77% | 0.00% | 0.00% |
| Q1 2025 | 11.81% | 2.29% | 3.76% | 0.00% | 0.00% |
| Q2 2025 | 12.31% | 2.36% | 3.86% | 0.00% | 0.00% |
| Q3 2025 | 12.83% | 2.49% | 3.95% | 0.00% | 0.00% |
| Q4 2025 | 12.98% | 2.47% | 3.96% | 0.00% | 0.00% |
| Q1 2026 | 12.12% | 2.38% | 3.93% | 0.00% | 0.00% |
| Q2 2026 | 12.58% | 2.18% | 4.09% | 0.00% | 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 16695) · FFIEC NIC profile (RSSD 410560)