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 Junction, TX against its peer group of 578 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 | 1.62% | 0.85% | +0.77% | 72nd above |
| ROAE | 16.11% | 5.23% | +10.88% | 82nd top |
| Net Interest Margin | 4.93% | 3.94% | +0.99% | 86th top |
| Efficiency Ratio | 66.25% | 76.13% | -9.88% | 58th above |
| PPNR / Avg Assets | 1.71% | — | — | 68th above |
| Yield on Earning Assets | 5.93% | 5.42% | +0.51% | 74th above |
| Cost of Funds | 1.02% | 1.69% | -0.67% | 77th top |
| Net Interest Spread | 4.44% | — | — | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.37% | 1.23% | -0.86% | 53rd above |
| NPA / Total Assets | 0.14% | — | — | 53rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.11% | -0.03% | 17th bottom |
| ACL / Total Loans | 2.27% | — | — | 87th top |
| ACL / NPLs (Coverage) | 612.66% | — | — | 83rd top |
| Texas Ratio | 1.21% | 7.23% | -6.02% | 52nd above |
| Provision / NCO | 0.00% | — | — | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.64% | 14.13% | -3.49% | 24th bottom |
| Equity / Assets | 10.39% | 13.07% | -2.68% | 29th below |
| TCE / Tangible Assets | 10.39% | — | — | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 41.20% | 68.58% | -27.38% | 83rd top |
| Core Deposit Ratio | 100.00% | 88.79% | +11.21% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.54% | — | — | 78th top |
| Loan Growth (Y/Y) | 1.32% | — | — | 45th below |
| Deposit Growth (Y/Y) | 9.09% | — | — | 80th top |
See First State Bank's peers by name
The 578 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.