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: 12.44 percentage points higher than in Q1 2026, at 87.18%. First State Bank ranks 191st of 345 Texas banks on return on assets, in the lower half at 1.41% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. First State Bank sits 0.15 points higher, at 1.41% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.89% |
| Equity capital to assets | 17.50% |
| Tangible equity to tangible assets | 16.03% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.23% |
| Non-performing assets ratio | 0.16% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.95% |
| Allowance for credit losses to loans | 1.44% |
| Reserve coverage of non-performing loans | 639.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.41% |
| Return on equity | 8.16% |
| Net interest margin | 4.89% |
| Efficiency ratio | 70.95% |
| Yield on earning assets | 6.85% |
| Cost of funds | 2.22% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.18% |
| Core deposits to total deposits | 78.78% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.27% |
| Securities to assets | 12.39% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 21.33% | 21.33% | 22.59% | 15.90% | 1.96% |
| Q4 2023 | 22.91% | 22.91% | 24.17% | 16.32% | 1.86% |
| Q1 2024 | 24.42% | 24.42% | 25.68% | 15.94% | 1.53% |
| Q2 2024 | — | — | — | 16.98% | 3.44% |
| Q3 2024 | — | — | — | 17.58% | 1.88% |
| Q4 2024 | — | — | — | 17.98% | 1.48% |
| Q1 2025 | — | — | — | 17.02% | 1.35% |
| Q2 2025 | — | — | — | 16.16% | 1.60% |
| Q3 2025 | — | — | — | 16.65% | 1.81% |
| Q4 2025 | — | — | — | 18.15% | 1.09% |
| Q1 2026 | — | — | — | 15.97% | 1.18% |
| Q2 2026 | — | — | — | 15.89% | 1.41% |
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 18301) · FFIEC NIC profile (RSSD 524766)