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: 6.52 percentage points lower than in Q1 2026, at 59.48%. Among 345 Texas banks, The First State Bank sits 21st from the top on return on assets, 2.54% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, The First State Bank reported 2.54% on return on assets in Q2 2026, 1.29 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.58% |
| Equity capital to assets | 8.95% |
| Tangible equity to tangible assets | 8.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.16% |
| Non-performing assets ratio | 1.58% |
| Net charge-off ratio | 0.14% |
| Texas ratio | 16.26% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 59.48% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.54% |
| Return on equity | 29.28% |
| Net interest margin | 5.11% |
| Efficiency ratio | 51.19% |
| Yield on earning assets | 6.06% |
| Cost of funds | 1.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.84% |
| Core deposits to total deposits | 92.79% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.12% |
| Securities to assets | 16.49% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.13% | 2.70% | 4.69% | 0.31% | 0.04% |
| Q4 2023 | 10.18% | 2.48% | 4.71% | 0.38% | 0.10% |
| Q1 2024 | 10.43% | 2.18% | 4.82% | 0.41% | 0.07% |
| Q2 2024 | 10.56% | 2.54% | 4.90% | 0.36% | 0.02% |
| Q3 2024 | 10.38% | 2.54% | 4.96% | 0.32% | 0.22% |
| Q4 2024 | 10.27% | 2.46% | 4.96% | 0.33% | 0.06% |
| Q1 2025 | 10.46% | 2.44% | 4.96% | 0.31% | 0.04% |
| Q2 2025 | 10.73% | 2.70% | 5.02% | 1.25% | 0.07% |
| Q3 2025 | 10.85% | 2.77% | 5.28% | 1.04% | 0.08% |
| Q4 2025 | 10.57% | 2.63% | 5.18% | 1.06% | 0.28% |
| Q1 2026 | 10.63% | 2.25% | 5.04% | 1.94% | 0.10% |
| Q2 2026 | 10.58% | 2.54% | 5.11% | 2.16% | 0.14% |
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 17588) · FFIEC NIC profile (RSSD 888552)