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 Reserve coverage of non-performing loans: 22.52 percentage points higher than in Q1 2026, at 103.24%. First State Bank ranks 42nd of 345 Texas banks on return on assets, in the upper half at 2.27% (Q2 2026). First State Bank's return on assets of 2.27% is well above the 1.26% median for banks in the $100M-1B asset tier, a gap of 1.01 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.39% |
| Tier 1 risk-based capital ratio | 13.39% |
| Total risk-based capital ratio | 14.64% |
| Tier 1 leverage ratio | 9.48% |
| Equity capital to assets | 9.08% |
| Tangible equity to tangible assets | 9.08% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.38% |
| Non-performing assets ratio | 1.34% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 12.18% |
| Allowance for credit losses to loans | 1.43% |
| Reserve coverage of non-performing loans | 103.24% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.27% |
| Return on equity | 25.20% |
| Net interest margin | 4.46% |
| Efficiency ratio | 48.15% |
| Yield on earning assets | 6.45% |
| Cost of funds | 2.13% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.66% |
| Core deposits to total deposits | 78.03% |
| Brokered deposits to total deposits | 17.63% |
| Deposits to assets | 89.76% |
| Securities to assets | 9.89% |
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 | 13.34% | 13.34% | 14.59% | 9.27% | 2.20% |
| Q4 2023 | 13.06% | 13.06% | 14.31% | 9.14% | 2.15% |
| Q1 2024 | 12.71% | 12.71% | 13.96% | 9.24% | 1.90% |
| Q2 2024 | 13.01% | 13.01% | 14.26% | 9.56% | 2.10% |
| Q3 2024 | 13.10% | 13.10% | 14.35% | 9.62% | 2.17% |
| Q4 2024 | 12.95% | 12.95% | 14.20% | 9.38% | 2.15% |
| Q1 2025 | 13.73% | 13.73% | 14.99% | 10.08% | 2.15% |
| Q2 2025 | 13.46% | 13.46% | 14.71% | 9.84% | 1.85% |
| Q3 2025 | 14.07% | 14.07% | 15.32% | 9.59% | 1.97% |
| Q4 2025 | 13.00% | 13.00% | 14.25% | 9.60% | 1.98% |
| Q1 2026 | 13.01% | 13.01% | 14.27% | 9.51% | 1.71% |
| Q2 2026 | 13.39% | 13.39% | 14.64% | 9.48% | 2.27% |
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 17950) · FFIEC NIC profile (RSSD 796152)