First State Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First State Bank and Trust Company of Carthage, TX against its peer group of 2603 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 | 0.88% | 1.35% | -0.47% | 27th below |
| ROAE | 9.56% | 13.33% | -3.77% | 33rd below |
| Net Interest Margin | 2.65% | 3.93% | -1.28% | 4th bottom |
| Efficiency Ratio | 61.72% | 61.13% | +0.59% | 49th below |
| PPNR / Avg Assets | 1.08% | 1.68% | -0.60% | 24th bottom |
| Yield on Earning Assets | 4.25% | 5.67% | -1.42% | 5th bottom |
| Cost of Funds | 1.49% | 1.88% | -0.39% | 70th above |
| Net Interest Spread | 2.13% | 3.32% | -1.19% | 6th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.84% | 0.94% | +0.90% | 14th bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.61% | 0.70% | -0.09% | 33rd below |
| NCO / Avg Loans | 0.25% | 0.16% | +0.09% | 10th bottom |
| ACL / Total Loans | 0.82% | 1.28% | -0.46% | 11th bottom |
| ACL / NPLs (Coverage) | 44.44% | 1546.99% | -1502.55% | 9th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.56% | 7.34% | -0.78% | 33rd below |
| Provision / NCO | -36.21% | 1396.02% | -1432.23% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.00% | 12.14% | +1.86% | 81st top |
| Equity / Assets | 9.60% | 11.37% | -1.77% | 38th below |
| TCE / Tangible Assets | 9.60% | 11.08% | -1.48% | 42nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 36.79% | 80.68% | -43.89% | 97th top |
| Core Deposit Ratio | 59.70% | 86.86% | -27.16% | 2nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.02% | 6.84% | -3.82% | 40th below |
| Loan Growth (Y/Y) | -1.22% | 7.92% | -9.14% | 18th bottom |
| Deposit Growth (Y/Y) | 10.63% | 6.29% | +4.34% | 85th top |
See First State Bank and Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First State Bank and Trust Company, 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 and Trust Company profile, how to read a UBPR, or how this data updates.