The First State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 8.41 percentage points lower than in Q1 2026, at 105.62%. Within Texas, The First State Bank is 49th of 345 on return on assets, 2.16% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, The First State Bank reported 2.16% on return on assets in Q2 2026, 0.91 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.85% |
| Tier 1 risk-based capital ratio | 15.85% |
| Total risk-based capital ratio | 16.92% |
| Tier 1 leverage ratio | 13.46% |
| Equity capital to assets | 13.54% |
| Tangible equity to tangible assets | 13.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.19% |
| Non-performing assets ratio | 0.88% |
| Net charge-off ratio | -0.07% |
| Texas ratio | 11.22% |
| Allowance for credit losses to loans | 1.26% |
| Reserve coverage of non-performing loans | 105.62% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.16% |
| Return on equity | 16.25% |
| Net interest margin | 7.79% |
| Efficiency ratio | 64.20% |
| Yield on earning assets | 9.25% |
| Cost of funds | 1.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.51% |
| Core deposits to total deposits | 81.39% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.44% |
| Securities to assets | 13.37% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 20.38% | 20.38% | 21.42% | 16.01% | 2.45% |
| Q4 2023 | 18.61% | 18.61% | 19.76% | 14.24% | 1.69% |
| Q1 2024 | 19.04% | 19.04% | 20.16% | 14.22% | 2.59% |
| Q2 2024 | 18.65% | 18.65% | 19.69% | 14.49% | 1.81% |
| Q3 2024 | 17.60% | 17.60% | 18.56% | 14.00% | 1.34% |
| Q4 2024 | 16.91% | 16.91% | 18.08% | 12.54% | -0.46% |
| Q1 2025 | 15.90% | 15.90% | 17.01% | 12.54% | 1.44% |
| Q2 2025 | 16.09% | 16.09% | 17.26% | 12.83% | 2.00% |
| Q3 2025 | 15.63% | 15.63% | 16.74% | 12.66% | 2.08% |
| Q4 2025 | 16.02% | 16.02% | 16.93% | 12.95% | 2.71% |
| Q1 2026 | 15.61% | 15.61% | 16.66% | 12.49% | 1.24% |
| Q2 2026 | 15.85% | 15.85% | 16.92% | 13.46% | 2.16% |
The First State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11175) · FFIEC NIC profile (RSSD 305059)