First State Bank and Trust Company: 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: 2.92 percentage points higher than in Q1 2026, at 44.44%. First State Bank and Trust Company ranks 278th of 345 Texas banks on return on assets, in the lower half at 0.88% (Q2 2026). First State Bank and Trust Company reported 0.88% on return on assets for Q2 2026, 0.38 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.00% |
| Equity capital to assets | 9.60% |
| Tangible equity to tangible assets | 9.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.84% |
| Non-performing assets ratio | 0.61% |
| Net charge-off ratio | 0.25% |
| Texas ratio | 6.56% |
| Allowance for credit losses to loans | 0.82% |
| Reserve coverage of non-performing loans | 44.44% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.88% |
| Return on equity | 9.56% |
| Net interest margin | 2.65% |
| Efficiency ratio | 61.72% |
| Yield on earning assets | 4.25% |
| Cost of funds | 1.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 36.79% |
| Core deposits to total deposits | 59.70% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.61% |
| Securities to assets | 53.52% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.59% | 0.67% | 1.88% | 1.16% | -0.05% |
| Q4 2023 | 13.40% | 0.45% | 1.91% | 1.13% | 0.07% |
| Q1 2024 | 13.31% | 0.39% | 1.86% | 1.20% | 0.02% |
| Q2 2024 | 13.64% | 0.30% | 1.82% | 1.02% | 0.03% |
| Q3 2024 | 13.97% | 0.36% | 1.89% | 1.28% | 0.05% |
| Q4 2024 | 14.07% | 0.53% | 2.04% | 1.30% | 0.98% |
| Q1 2025 | 14.30% | 0.49% | 2.19% | 1.27% | 0.05% |
| Q2 2025 | 14.56% | 0.65% | 2.26% | 1.45% | 0.10% |
| Q3 2025 | 14.73% | 0.66% | 2.40% | 1.87% | 0.17% |
| Q4 2025 | 14.44% | 0.66% | 2.64% | 2.02% | 0.25% |
| Q1 2026 | 13.98% | 1.00% | 2.64% | 2.09% | 0.13% |
| Q2 2026 | 14.00% | 0.88% | 2.65% | 1.84% | 0.25% |
First State Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11559) · FFIEC NIC profile (RSSD 1012251)