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 Shallowater, 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 | 1.41% | 1.25% | +0.16% | 57th above |
| ROAE | 8.16% | 12.22% | -4.06% | 25th below |
| Net Interest Margin | 4.89% | 3.95% | +0.94% | 90th top |
| Efficiency Ratio | 70.95% | 63.71% | +7.24% | 25th below |
| PPNR / Avg Assets | 1.41% | — | — | 38th below |
| Yield on Earning Assets | 6.85% | 5.67% | +1.18% | 93rd top |
| Cost of Funds | 2.22% | 1.87% | +0.35% | 25th below |
| Net Interest Spread | 3.76% | — | — | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.23% | 0.88% | -0.65% | 63rd above |
| NPA / Total Assets | 0.16% | — | — | 64th above |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 85th top |
| ACL / Total Loans | 1.44% | — | — | 75th top |
| ACL / NPLs (Coverage) | 639.67% | — | — | 75th top |
| Texas Ratio | 0.95% | 5.96% | -5.01% | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.89% | 11.75% | +4.14% | 90th top |
| Equity / Assets | 17.50% | 10.98% | +6.52% | 94th top |
| TCE / Tangible Assets | 16.03% | — | — | 92nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.18% | 80.44% | +6.74% | 35th below |
| Core Deposit Ratio | 78.78% | 86.95% | -8.17% | 14th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.87% | — | — | 31st below |
| Loan Growth (Y/Y) | 19.40% | — | — | 92nd top |
| Deposit Growth (Y/Y) | 0.26% | — | — | 24th 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. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First State Bank peer analysis.