First State Bank of San Diego: 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 San Diego of San Diego, TX against its peer group of 536 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 | -0.15% | 3.14% | -3.29% | 13th bottom |
| ROAE | -1.69% | 10.44% | -12.13% | 12th bottom |
| Net Interest Margin | 4.02% | 3.93% | +0.09% | 58th above |
| Efficiency Ratio | 99.08% | 76.26% | +22.82% | 13th bottom |
| PPNR / Avg Assets | 0.03% | 1.40% | -1.37% | 12th bottom |
| Yield on Earning Assets | 4.95% | 5.35% | -0.40% | 39th below |
| Cost of Funds | 0.98% | 1.71% | -0.73% | 81st top |
| Net Interest Spread | 3.43% | 3.31% | +0.12% | 55th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.85% | 1.49% | +0.36% | 80th top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.35% | 8.25% | -1.90% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 27.70% | 62.00% | -34.30% | 63rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 27.70% | 62.00% | -34.30% | 63rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 28.95% | 62.97% | -34.02% | 63rd above |
| Leverage Ratio | 9.02% | 17.62% | -8.60% | 10th bottom |
| Equity / Assets | 8.89% | 16.44% | -7.55% | 16th bottom |
| TCE / Tangible Assets | 8.89% | 16.19% | -7.30% | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 24.52% | 72.92% | -48.40% | 93rd top |
| Core Deposit Ratio | 94.63% | 88.20% | +6.43% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -10.80% | 4.33% | -15.13% | 4th bottom |
| Loan Growth (Y/Y) | -22.71% | 6.78% | -29.49% | 1st bottom |
| Deposit Growth (Y/Y) | -11.49% | 3.80% | -15.29% | 4th bottom |
See First State Bank of San Diego's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First State Bank of San Diego, 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 San Diego profile, how to read a UBPR, or how this data updates.