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 Gainesville, TX against its peer group of 931 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 | 0.85% | 1.46% | -0.61% | 21st bottom |
| ROAE | 10.40% | 12.72% | -2.32% | 35th below |
| Net Interest Margin | 4.07% | 3.85% | +0.22% | 73rd above |
| Efficiency Ratio | 74.09% | 57.39% | +16.70% | 14th bottom |
| PPNR / Avg Assets | 1.10% | 1.88% | -0.78% | 19th bottom |
| Yield on Earning Assets | 5.46% | 5.72% | -0.26% | 46th below |
| Cost of Funds | 1.45% | 2.02% | -0.57% | 82nd top |
| Net Interest Spread | 3.22% | 3.18% | +0.04% | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.95% | 1.00% | -0.05% | 34th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.65% | 0.76% | -0.11% | 39th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.17% | 0.43% | -0.26% | 21st bottom |
| ACL / Total Loans | 1.36% | 1.31% | +0.05% | 77th top |
| ACL / NPLs (Coverage) | 142.88% | 543.65% | -400.77% | 42nd below |
| Texas Ratio | 7.82% | 7.39% | +0.43% | 31st below |
| Provision / NCO | 69.55% | 619.07% | -549.52% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.08% | 17.34% | -3.26% | 60th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.08% | 17.37% | -3.29% | 60th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.18% | 18.42% | -3.24% | 59th above |
| Leverage Ratio | 9.61% | 11.44% | -1.83% | 25th below |
| Equity / Assets | 8.35% | 11.34% | -2.99% | 10th bottom |
| TCE / Tangible Assets | 7.71% | 10.50% | -2.79% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 57.55% | 86.97% | -29.42% | 94th top |
| Core Deposit Ratio | 89.26% | 85.55% | +3.71% | 54th above |
| Uninsured Deposit Ratio | 41.40% | 33.12% | +8.28% | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.18% | 9.69% | -7.51% | 30th below |
| Loan Growth (Y/Y) | 0.70% | 8.06% | -7.36% | 21st bottom |
| Deposit Growth (Y/Y) | 1.16% | 7.87% | -6.71% | 24th bottom |
See First State Bank's peers by name
The 931 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.