First State Bank of Brownsboro: 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.
Reserve coverage of non-performing loans dropped 90.50 percentage points in Q2 2026, from 669.07% to 578.57%. It was the largest change from Q1 2026 among the key lines here. Within Texas, First State Bank of Brownsboro is 214th of 345 on return on assets, 1.26% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets; First State Bank of Brownsboro reported 1.26% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.36% |
| Equity capital to assets | 5.85% |
| Tangible equity to tangible assets | 5.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.17% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 3.86% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | 578.57% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.26% |
| Return on equity | 21.40% |
| Net interest margin | 3.75% |
| Efficiency ratio | 68.15% |
| Yield on earning assets | 5.04% |
| Cost of funds | 1.39% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 50.65% |
| Core deposits to total deposits | 87.24% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.66% |
| Securities to assets | 48.68% |
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 | 10.27% | 1.15% | 3.04% | 0.40% | -0.05% |
| Q4 2023 | 10.38% | -0.01% | 3.01% | 0.30% | 0.07% |
| Q1 2024 | 10.32% | 0.73% | 3.03% | 0.27% | 0.02% |
| Q2 2024 | 10.62% | 0.90% | 3.10% | 0.22% | 0.15% |
| Q3 2024 | 11.03% | 0.75% | 3.15% | 0.11% | 0.01% |
| Q4 2024 | 10.87% | 0.05% | 3.27% | 0.17% | 0.10% |
| Q1 2025 | 10.81% | 1.02% | 3.31% | 0.11% | 0.01% |
| Q2 2025 | 11.07% | 0.92% | 3.43% | 0.09% | 0.02% |
| Q3 2025 | 11.23% | 1.06% | 3.58% | 0.17% | 0.13% |
| Q4 2025 | 10.57% | 0.15% | 3.67% | 0.18% | 0.13% |
| Q1 2026 | 10.31% | 1.43% | 3.69% | 0.15% | 0.03% |
| Q2 2026 | 10.36% | 1.26% | 3.75% | 0.17% | 0.01% |
First State Bank of Brownsboro vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Brownsboro, 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 of Brownsboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11181) · FFIEC NIC profile (RSSD 229454)