The First State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First State Bank of Abernathy, 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 | 2.16% | 1.35% | +0.81% | 89th top |
| ROAE | 16.25% | 12.05% | +4.20% | 72nd above |
| Net Interest Margin | 7.79% | 3.90% | +3.89% | 100th top |
| Efficiency Ratio | 64.20% | 63.15% | +1.05% | 41st below |
| PPNR / Avg Assets | 2.79% | 1.64% | +1.15% | 94th top |
| Yield on Earning Assets | 9.25% | 5.65% | +3.60% | 100th top |
| Cost of Funds | 1.54% | 1.85% | -0.31% | 67th above |
| Net Interest Spread | 6.72% | 3.35% | +3.37% | 100th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.19% | 0.92% | +0.27% | 24th bottom |
| NPA / Total Assets | 0.88% | 0.67% | +0.21% | 23rd bottom |
| NCO / Avg Loans | -0.07% | 0.15% | -0.22% | 96th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.26% | 1.28% | -0.02% | 57th above |
| ACL / NPLs (Coverage) | 105.62% | 1645.79% | -1540.17% | 29th below |
| Texas Ratio | 11.22% | 7.15% | +4.07% | 19th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.85% | 20.83% | -4.98% | 56th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.85% | 20.86% | -5.01% | 56th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.92% | 21.94% | -5.02% | 56th above |
| Leverage Ratio | 13.46% | 12.46% | +1.00% | 78th top |
| Equity / Assets | 13.54% | 11.67% | +1.87% | 82nd top |
| TCE / Tangible Assets | 13.11% | 11.40% | +1.71% | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.51% | 78.64% | +12.87% | 25th below |
| Core Deposit Ratio | 81.39% | 87.10% | -5.71% | 19th bottom |
| Wholesale Funding Ratio | 5.82% | 5.11% | +0.71% | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.37% | 6.47% | -2.10% | 50th above |
| Loan Growth (Y/Y) | 8.44% | 7.64% | +0.80% | 67th above |
| Deposit Growth (Y/Y) | 24.68% | 6.02% | +18.66% | 96th top |
See The First State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First State Bank, 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 The First State Bank profile, how to read a UBPR, or how this data updates.