First State Bank of Uvalde: 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 Uvalde of Uvalde, TX against its peer group of 931 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 | 1.10% | 1.46% | -0.36% | 36th below |
| ROAE | 9.53% | 12.72% | -3.19% | 28th below |
| Net Interest Margin | 2.37% | 3.85% | -1.48% | 4th bottom |
| Efficiency Ratio | 45.73% | 57.41% | -11.68% | 85th top |
| PPNR / Avg Assets | 1.39% | 1.88% | -0.49% | 31st below |
| Yield on Earning Assets | 4.02% | 5.72% | -1.70% | 3rd bottom |
| Cost of Funds | 1.70% | 2.02% | -0.32% | 69th above |
| Net Interest Spread | 1.67% | 3.18% | -1.51% | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.22% | 1.00% | +0.22% | 27th below |
| NPA / Total Assets | 0.49% | 0.76% | -0.27% | 50th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.43% | -0.39% | 44th below |
| ACL / Total Loans | 1.59% | 1.31% | +0.28% | 89th top |
| ACL / NPLs (Coverage) | 129.64% | 543.63% | -413.99% | 39th below |
| Texas Ratio | 3.93% | 7.39% | -3.46% | 57th above |
| Provision / NCO | 29.41% | 619.06% | -589.65% | 16th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.66% | 11.43% | +4.23% | 94th top |
| Equity / Assets | 12.58% | 11.33% | +1.25% | 82nd top |
| TCE / Tangible Assets | 12.50% | 10.50% | +2.00% | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 45.90% | 86.98% | -41.08% | 97th top |
| Core Deposit Ratio | 64.76% | 85.57% | -20.81% | 5th bottom |
| Uninsured Deposit Ratio | 58.34% | 33.11% | +25.23% | 4th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -7.64% | 9.69% | -17.33% | 2nd bottom |
| Loan Growth (Y/Y) | -3.43% | 8.06% | -11.49% | 8th bottom |
| Deposit Growth (Y/Y) | -10.35% | 7.88% | -18.23% | 1st bottom |
See First State Bank of Uvalde's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First State Bank of Uvalde, 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 Uvalde profile, how to read a UBPR, or how this data updates.