First State Bank of Bedias: 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 Bedias of Bedias, 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 | 2.60% | 1.34% | +1.26% | 95th top |
| ROAE | 15.05% | 13.32% | +1.73% | 66th above |
| Net Interest Margin | 4.68% | 3.93% | +0.75% | 85th top |
| Efficiency Ratio | 45.02% | 61.13% | -16.11% | 89th top |
| PPNR / Avg Assets | 2.60% | 1.68% | +0.92% | 91st top |
| Yield on Earning Assets | 6.13% | 5.67% | +0.46% | 74th above |
| Cost of Funds | 1.68% | 1.88% | -0.20% | 58th above |
| Net Interest Spread | 3.72% | 3.32% | +0.40% | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.01% | 0.94% | +1.07% | 13th bottom |
| NPA / Total Assets | 1.12% | 0.70% | +0.42% | 18th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.15% | 0.16% | -0.01% | 15th bottom |
| ACL / Total Loans | 1.39% | 1.28% | +0.11% | 71st above |
| ACL / NPLs (Coverage) | 68.83% | 1546.47% | -1477.64% | 18th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.18% | 7.34% | -1.16% | 35th below |
| Provision / NCO | 0.00% | 1395.33% | -1395.33% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.94% | 12.14% | +5.80% | 94th top |
| Equity / Assets | 17.32% | 11.36% | +5.96% | 94th top |
| TCE / Tangible Assets | 17.32% | 11.08% | +6.24% | 94th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.51% | 80.66% | -13.15% | 74th above |
| Core Deposit Ratio | 90.40% | 86.85% | +3.55% | 57th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.65% | 6.84% | +0.81% | 73rd above |
| Loan Growth (Y/Y) | -1.17% | 7.92% | -9.09% | 18th bottom |
| Deposit Growth (Y/Y) | 7.51% | 6.29% | +1.22% | 73rd above |
See First State Bank of Bedias'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 of Bedias, 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 of Bedias profile, how to read a UBPR, or how this data updates.