First State Bank of Burnet: 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 Burnet of Burnet, 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 | 1.72% | 1.35% | +0.37% | 74th above |
| ROAE | 16.13% | 12.05% | +4.08% | 72nd above |
| Net Interest Margin Ahead of the peer average, behind the median peer. | 3.93% | 3.90% | +0.03% | 49th below |
| Efficiency Ratio | 56.12% | 63.15% | -7.03% | 66th above |
| PPNR / Avg Assets | 1.78% | 1.64% | +0.14% | 61st above |
| Yield on Earning Assets | 4.86% | 5.65% | -0.79% | 18th bottom |
| Cost of Funds | 1.05% | 1.85% | -0.80% | 90th top |
| Net Interest Spread | 3.19% | 3.35% | -0.16% | 43rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.92% | -0.91% | 85th top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 86th top |
| NCO / Avg Loans | -0.00% | 0.15% | -0.15% | 77th top |
| ACL / Total Loans | 0.88% | 1.28% | -0.40% | 16th bottom |
| ACL / NPLs (Coverage) | 12200.00% | 1640.65% | +10559.35% | — |
| Texas Ratio | 0.67% | 7.15% | -6.48% | 77th top |
| Provision / NCO | 1000.00% | 1189.32% | -189.32% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.53% | 12.46% | +0.07% | 70th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.05% | 11.67% | -0.62% | 61st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.05% | 11.40% | -0.35% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.21% | 78.65% | -16.44% | 81st top |
| Core Deposit Ratio | 90.50% | 87.09% | +3.41% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.85% | 6.48% | -3.63% | 38th below |
| Loan Growth (Y/Y) | 20.00% | 7.64% | +12.36% | 92nd top |
| Deposit Growth (Y/Y) | 1.46% | 6.02% | -4.56% | 32nd below |
See First State Bank of Burnet'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 Burnet, 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 Burnet profile, how to read a UBPR, or how this data updates.