First State Bank of 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 Texas of Orange, 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 | 0.09% | 1.34% | -1.25% | 6th bottom |
| ROAE | 0.94% | 13.32% | -12.38% | 6th bottom |
| Net Interest Margin | 4.82% | 3.93% | +0.89% | 89th top |
| Efficiency Ratio | 77.50% | 61.13% | +16.37% | 16th bottom |
| PPNR / Avg Assets | 0.99% | 1.68% | -0.69% | 20th bottom |
| Yield on Earning Assets | 6.42% | 5.67% | +0.75% | 85th top |
| Cost of Funds | 1.66% | 1.88% | -0.22% | 59th above |
| Net Interest Spread | 3.76% | 3.32% | +0.44% | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.89% | 0.94% | +1.95% | 7th bottom |
| NPA / Total Assets | 2.12% | 0.70% | +1.42% | 7th bottom |
| NCO / Avg Loans | 1.03% | 0.16% | +0.87% | 3rd bottom |
| ACL / Total Loans | 1.11% | 1.28% | -0.17% | 39th below |
| ACL / NPLs (Coverage) | 38.52% | 1539.23% | -1500.71% | 6th bottom |
| Texas Ratio | 21.66% | 7.33% | +14.33% | 7th bottom |
| Provision / NCO | 60.70% | 1396.18% | -1335.48% | 30th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.20% | 12.14% | -2.94% | 15th bottom |
| Equity / Assets | 9.87% | 11.37% | -1.50% | 42nd below |
| TCE / Tangible Assets | 9.04% | 11.09% | -2.05% | 32nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.03% | 80.64% | +1.39% | 47th below |
| Core Deposit Ratio | 90.32% | 86.86% | +3.46% | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.07% | 6.85% | -5.78% | 26th below |
| Loan Growth (Y/Y) | 22.57% | 7.90% | +14.67% | 94th top |
| Deposit Growth (Y/Y) | 0.44% | 6.29% | -5.85% | 26th below |
See First State Bank of Texas'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 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 Texas profile, how to read a UBPR, or how this data updates.