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First State Bank of Texas

$100M-$1B Specialty: Commercial TX FDIC cert 11922

Orange, TX

6 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +0.4% year over year ($316.3M on the books).
  • Delinquency rate 2.88%.
  • Return on assets 0.57%.
  • Efficiency ratio 72.68% vs a 64.48% peer average.
  • Loan-to-deposit ratio 81.12% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

First State Bank of Texas has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 21.2% in tier

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 11.3% in tier
  • - Flatlined Growth: Bottom 18.0% in tier
  • - Delinquency Rate 1.96% above tier average
  • - Nonperforming Asset Ratio 1.42% above tier average
  • - ROA 0.75% below tier average
  • - Efficiency Ratio 8.20% above tier average
Get updates when First State Bank of Texas releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $353.6M
+1.1% YoY +1.3% QoQ
-$32.9M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
55%
Total Loans ? $256.6M
+23.0% YoY +0.3% QoQ
-$1.7M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
60%
Total Deposits ? $316.3M
+0.4% YoY +1.6% QoQ
-$10.4M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
58%
Return on Assets ? 0.57%
-45.3% QoQ
-0.75% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Bottom 14.2% in tier
Net Interest Margin ? 5.04%
+14.5% YoY -4.7% QoQ
+1.05% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 7.5% in tier
Efficiency Ratio ? 72.68%
-10.0% YoY +6.6% QoQ
+8.20% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
24%
Delinquency Rate ? 2.88%
+200.7% YoY +509.6% QoQ
+1.96% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Bottom 6.7% in tier
Loan-to-Deposit Ratio ? 81.12%
+22.4% YoY -1.3% QoQ
+3.17% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
47%
Non-Interest-Bearing Deposit Share ? 37.33%
+7.6% YoY +2.2% QoQ
+15.30% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 6.8% in tier
Nonperforming Asset Ratio ? 2.09%
+260.6% YoY +503.6% QoQ
+1.42% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Bottom 6.5% in tier
Tier 1 Capital Ratio ? 9.20%
+5.9% YoY +0.9% QoQ
-6.71% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Bottom 2.2% in tier
Non-Interest Income / Assets ? 0.16%
-1.8% YoY +55.5% QoQ
-0.41% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
37%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 37.3%
+2.6pp YoY
+0.8pp QoQ
 +15.2pp 22.1% 29.2% 22.2% 93%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 19.5%
-3.4pp YoY
+1.4pp QoQ
 +7.9pp 11.6% 14.8% 12.5% 87%
CRE 61.5%
+2.5pp YoY
-1.0pp QoQ
 +22.0pp 39.5% 48.4% 41.4% 86%
1-4 Family 17.0%
+2.3pp YoY
0.0pp QoQ
 -15.6pp 32.6% 25.8% 31.3% 24%
Consumer 2.3%
-1.4pp YoY
-0.4pp QoQ
 -1.8pp 4.1% 4.7% 5.0% 52%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 9.2%
+0.5pp YoY
+0.1pp QoQ
 -3.0pp 12.2% 12.6% 12.6% 15%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 67
+1 (+1.5%) YoY
0 QoQ
 +8 58 186 482 68%
Assets per Employee ($) $5.3M
-0.4% YoY
+1.3% QoQ
 -$2.2M $7.5M $10.1M $8.8M 19%
Branch Count 6
0 YoY
0 QoQ
 +1 4 12 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 2.9%
+1.9pp YoY
+2.4pp QoQ
 +1.9pp 0.9% 1.0% 1.0% 94%
Allowance Coverage 0.39x
-74.2% YoY
-83.8% QoQ
 -23.76x 24.15x 18.82x 20.23x 6%
Net Charge-off Rate (YTD) 1.5%
+1.2pp YoY
-0.5pp QoQ
 +1.3pp 0.1% 0.1% 0.2% 98%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 5.7%
+5.8pp YoY
-4.6pp QoQ
 -6.5pp 12.2% 13.2% 11.6% 16%
Cost of Funds (YTD) 1.7%
-0.7pp YoY
-0.1pp QoQ
 0.0pp 1.7% 1.6% 1.7% 50%
Net Income ($, YTD) $1.0M
+5185.0% YoY
— QoQ
 -$1.5M $2.6M $15.9M $40.4M 27%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#60 of 278 • Top 21.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 37.33%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.04%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (2)

Capital Thin

risk
#76 of 661 • Bottom 11.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.20%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Flatlined Growth

risk
#96 of 529 • Bottom 18.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.57%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

180
Non-Interest-Bearing Deposit Share
funding
Value: 37.33%
Peer Median: 22.03%
#180 of 2643 Top 6.8% in $100M-$1B
199
Net Interest Margin
profitability
Value: 5.04%
Peer Median: 3.99%
#199 of 2643 Top 7.5% in $100M-$1B

Top Weaknesses (5 metrics)

2585
Tier 1 Capital Ratio
capital
Value: 9.20%
Peer Median: 15.91%
#2585 of 2643 Bottom 2.2% in $100M-$1B
2472
Nonperforming Asset Ratio
credit_quality
Value: 2.09%
Peer Median: 0.67%
#2472 of 2643 Bottom 6.5% in $100M-$1B
2458
Delinquency Rate
credit_quality
Value: 2.88%
Peer Median: 0.92%
#2458 of 2633 Bottom 6.7% in $100M-$1B
2269
Return on Assets
profitability
Value: 0.57%
Peer Median: 1.32%
#2269 of 2643 Bottom 14.2% in $100M-$1B
1999
Efficiency Ratio
profitability
Value: 72.68%
Peer Median: 64.48%
#1999 of 2643 Bottom 24.4% in $100M-$1B
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