First State Bank of Ben Wheeler, Texas: 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 Ben Wheeler, Texas of Ben Wheeler, 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 | 1.42% | 1.34% | +0.08% | 59th above |
| ROAE | 9.17% | 13.32% | -4.15% | 32nd below |
| Net Interest Margin | 3.34% | 3.93% | -0.59% | 21st bottom |
| Efficiency Ratio | 63.36% | 61.13% | +2.23% | 44th below |
| PPNR / Avg Assets | 1.42% | 1.68% | -0.26% | 40th below |
| Yield on Earning Assets | 4.57% | 5.67% | -1.10% | 10th bottom |
| Cost of Funds | 1.38% | 1.88% | -0.50% | 76th top |
| Net Interest Spread | 2.73% | 3.32% | -0.59% | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.07% | 0.16% | -0.23% | 95th top |
| ACL / Total Loans | 1.57% | 1.28% | +0.29% | 82nd top |
| Texas Ratio | 0.16% | 7.34% | -7.18% | 86th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.66% | 12.14% | +3.52% | 89th top |
| Equity / Assets | 15.58% | 11.36% | +4.22% | 90th top |
| TCE / Tangible Assets | 15.58% | 11.08% | +4.50% | 91st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 42.97% | 80.67% | -37.70% | 95th top |
| Core Deposit Ratio | 82.28% | 86.85% | -4.57% | 22nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.90% | 6.84% | -4.94% | 32nd below |
| Loan Growth (Y/Y) | -2.41% | 7.92% | -10.33% | 14th bottom |
| Deposit Growth (Y/Y) | 1.47% | 6.29% | -4.82% | 32nd below |
See First State Bank of Ben Wheeler, Texas's peers by name
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Unlock First State Bank of Ben Wheeler, Texas, 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 Ben Wheeler, Texas profile, how to read a UBPR, or how this data updates.