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 Socorro, NM 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 | 1.14% | 1.25% | -0.11% | 40th below |
| ROAE | 8.06% | 13.17% | -5.11% | 25th below |
| Net Interest Margin | 3.30% | 3.95% | -0.65% | 19th bottom |
| Efficiency Ratio | 69.74% | 61.50% | +8.24% | 28th below |
| PPNR / Avg Assets | 1.00% | — | — | 19th bottom |
| Yield on Earning Assets | 3.66% | 5.67% | -2.01% | 1st bottom |
| Cost of Funds | 0.38% | 1.87% | -1.49% | 99th top |
| Net Interest Spread | 3.11% | — | — | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 0.93% | -0.81% | 71st above |
| NPA / Total Assets | 0.01% | — | — | 85th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 10.46% | — | — | 100th top |
| ACL / NPLs (Coverage) | 8735.71% | — | — | — |
| Texas Ratio | 0.01% | 6.06% | -6.05% | 88th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 57.45% | 17.18% | +40.27% | 98th top |
| Tier 1 Ratio | 57.45% | 17.21% | +40.24% | 98th top |
| Total Capital Ratio | 58.71% | — | — | 98th top |
| Leverage Ratio | 14.27% | 11.75% | +2.52% | 82nd top |
| Equity / Assets | 14.24% | 10.98% | +3.26% | 85th top |
| TCE / Tangible Assets | 14.24% | — | — | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 7.28% | 80.44% | -73.16% | 100th top |
| Core Deposit Ratio | 96.16% | 86.95% | +9.21% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.12% | — | — | 13th bottom |
| Loan Growth (Y/Y) | 6.62% | — | — | 57th above |
| Deposit Growth (Y/Y) | -2.42% | — | — | 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.