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: 3.39 percentage points higher than in Q1 2026, at 41.20%. Within Texas, First State Bank is 140th of 345 on return on assets, 1.62% as of Q2 2026. Against a median of 1.00% for banks in the < $100M asset tier, First State Bank reported 1.62% on return on assets in Q2 2026, 0.62 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.64% |
| Equity capital to assets | 10.39% |
| Tangible equity to tangible assets | 10.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.37% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 1.21% |
| Allowance for credit losses to loans | 2.27% |
| Reserve coverage of non-performing loans | 612.66% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.62% |
| Return on equity | 16.11% |
| Net interest margin | 4.93% |
| Efficiency ratio | 66.25% |
| Yield on earning assets | 5.93% |
| Cost of funds | 1.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 41.20% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.09% |
| Securities to assets | 51.19% |
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 | 21.29% | 21.29% | 22.55% | 8.63% | 1.41% |
| Q4 2023 | 21.43% | 21.43% | 22.69% | 8.51% | 1.25% |
| Q1 2024 | 21.42% | 21.42% | 22.67% | 8.28% | -0.67% |
| Q2 2024 | 19.45% | 19.45% | 20.70% | 8.88% | 2.25% |
| Q3 2024 | 21.00% | 21.00% | 22.26% | 10.30% | 1.84% |
| Q4 2024 | — | — | — | 9.65% | 2.21% |
| Q1 2025 | — | — | — | 10.17% | 2.03% |
| Q2 2025 | — | — | — | 11.21% | 2.35% |
| Q3 2025 | — | — | — | 11.14% | -0.35% |
| Q4 2025 | — | — | — | 9.98% | 1.88% |
| Q1 2026 | — | — | — | 9.93% | 1.60% |
| Q2 2026 | — | — | — | 10.64% | 1.62% |
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 16643) · FFIEC NIC profile (RSSD 603755)