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 Louise, 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 | 2.54% | 1.34% | +1.20% | 94th top |
| ROAE | 29.28% | 13.30% | +15.98% | 98th top |
| Net Interest Margin | 5.11% | 3.93% | +1.18% | 94th top |
| Efficiency Ratio | 51.19% | 61.15% | -9.96% | 78th top |
| PPNR / Avg Assets | 2.70% | 1.68% | +1.02% | 92nd top |
| Yield on Earning Assets | 6.06% | 5.67% | +0.39% | 71st above |
| Cost of Funds | 1.03% | 1.88% | -0.85% | 90th top |
| Net Interest Spread | 5.00% | 3.32% | +1.68% | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.16% | 0.94% | +1.22% | 12th bottom |
| NPA / Total Assets | 1.58% | 0.70% | +0.88% | 11th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.14% | 0.16% | -0.02% | 16th bottom |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 60th above |
| ACL / NPLs (Coverage) | 59.48% | 1540.08% | -1480.60% | 14th bottom |
| Texas Ratio | 16.26% | 7.32% | +8.94% | 11th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 204.43% | 1397.06% | -1192.63% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.58% | 12.14% | -1.56% | 43rd below |
| Equity / Assets | 8.95% | 11.38% | -2.43% | 27th below |
| TCE / Tangible Assets | 8.80% | 11.10% | -2.30% | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.84% | 80.64% | +0.20% | 49th below |
| Core Deposit Ratio | 92.79% | 86.86% | +5.93% | 72nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.16% | 6.85% | +3.31% | 83rd top |
| Loan Growth (Y/Y) | 8.67% | 7.90% | +0.77% | 68th above |
| Deposit Growth (Y/Y) | 9.69% | 6.28% | +3.41% | 81st 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.