First State Bank of Brownsboro: 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 Brownsboro of Brownsboro, TX against its peer group of 2672 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 | 1.26% | 1.35% | -0.09% | 49th below |
| ROAE | 21.40% | 12.05% | +9.35% | 90th top |
| Net Interest Margin | 3.75% | 3.90% | -0.15% | 40th below |
| Efficiency Ratio | 68.15% | 63.15% | +5.00% | 32nd below |
| PPNR / Avg Assets | 1.26% | 1.64% | -0.38% | 32nd below |
| Yield on Earning Assets | 5.04% | 5.65% | -0.61% | 25th below |
| Cost of Funds | 1.39% | 1.85% | -0.46% | 75th top |
| Net Interest Spread | 2.90% | 3.35% | -0.45% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.17% | 0.92% | -0.75% | 66th above |
| NPA / Total Assets | 0.08% | 0.67% | -0.59% | 72nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 44th below |
| ACL / Total Loans | 0.99% | 1.28% | -0.29% | 24th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 578.57% | 1645.59% | -1067.02% | 74th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.86% | 7.15% | -3.29% | 47th below |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.36% | 12.46% | -2.10% | 39th below |
| Equity / Assets | 5.85% | 11.67% | -5.82% | 2nd bottom |
| TCE / Tangible Assets | 5.85% | 11.40% | -5.55% | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 50.65% | 78.65% | -28.00% | 91st top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.24% | 87.09% | +0.15% | 40th below |
| Wholesale Funding Ratio | 1.40% | 5.12% | -3.72% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.08% | 6.47% | +5.61% | 88th top |
| Loan Growth (Y/Y) | 3.25% | 7.64% | -4.39% | 38th below |
| Deposit Growth (Y/Y) | 8.73% | 6.02% | +2.71% | 79th top |
See First State Bank of Brownsboro's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First State Bank of Brownsboro, 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 Brownsboro profile, how to read a UBPR, or how this data updates.