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First State Bank

$100M-$1B Specialty: Commercial TX FDIC cert 15206

Athens, TX

8 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 +5.5% year over year ($669.5M on the books).
  • Delinquency rate 0.81%.
  • Return on assets 1.65%.
  • Efficiency ratio 57.92% vs a 64.48% peer average.
  • Loan-to-deposit ratio 70.66% 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 shows strong momentum with 4 strengths and 6.2% YoY asset growth

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 56.5% in tier
  • + ROA 0.33% above tier average
  • + Efficiency Ratio 6.56% below tier average
  • + Delinquency Rate 0.11% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $761.7M
+6.2% YoY -2.2% QoQ
+$375.2M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Top 10.0% in tier
Total Loans ? $473.1M
-3.2% YoY +0.2% QoQ
+$214.7M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Top 13.8% in tier
Total Deposits ? $669.5M
+5.5% YoY -2.6% QoQ
+$342.7M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Top 8.5% in tier
Return on Assets ? 1.65%
+18.2% YoY +5.2% QoQ
+0.33% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
73%
Net Interest Margin ? 4.51%
+8.9% YoY +3.1% QoQ
+0.52% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
80%
Efficiency Ratio ? 57.92%
-4.8% YoY -1.4% QoQ
-6.56% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
64%
Delinquency Rate ? 0.81%
+151.8% YoY -15.2% QoQ
-0.11% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
34%
Loan-to-Deposit Ratio ? 70.66%
-8.2% YoY +2.9% QoQ
-7.29% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
68%
Non-Interest-Bearing Deposit Share ? 38.99%
-0.6% YoY +2.6% QoQ
+16.96% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 5.6% in tier
Nonperforming Asset Ratio ? 0.51%
+125.2% YoY -13.0% QoQ
-0.16% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
39%
Tier 1 Capital Ratio ? 11.44%
+3.3% YoY +2.1% QoQ
-4.47% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
28%
Non-Interest Income / Assets ? 0.35%
+1.7% YoY +106.8% QoQ
-0.22% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
79%

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 39.0%
-0.3pp YoY
+1.0pp QoQ
 +16.8pp 22.1% 29.2% 22.2% 94%
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 6.2%
-1.9pp YoY
0.0pp QoQ
 -5.3pp 11.6% 14.8% 12.5% 27%
CRE 34.3%
-0.3pp YoY
-0.8pp QoQ
 -5.3pp 39.5% 48.4% 41.4% 42%
1-4 Family 47.7%
+0.7pp YoY
+0.5pp QoQ
 +15.1pp 32.6% 25.8% 31.3% 80%
Consumer 3.6%
+0.1pp YoY
0.0pp QoQ
 -0.5pp 4.1% 4.7% 5.0% 66%

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 11.4%
+0.4pp YoY
+0.2pp QoQ
 -0.7pp 12.2% 12.6% 12.6% 57%
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 126
+4 (+3.3%) YoY
-5 (-3.8%) QoQ
 +67 58 186 482 94%
Assets per Employee ($) $6.0M
+2.9% YoY
+1.7% QoQ
 -$1.5M $7.5M $10.1M $8.8M 34%
Branch Count 8
0 YoY
0 QoQ
 +3 4 12 18 82%

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 0.8%
+0.5pp YoY
-0.1pp QoQ
 -0.1pp 0.9% 1.0% 1.0% 66%
Allowance Coverage 1.65x
-58.4% YoY
+18.0% QoQ
 -22.50x 24.15x 18.82x 20.23x 42%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 61%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 15.2%
+1.4pp YoY
+0.6pp QoQ
 +3.1pp 12.2% 13.2% 11.6% 69%
Cost of Funds (YTD) 1.1%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.6% 1.7% 15%
Net Income ($, YTD) $6.3M
+26.5% YoY
— QoQ
 +$3.8M $2.6M $15.9M $40.4M 93%

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
#158 of 278 • Top 56.5% 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: 38.99%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.51%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 (6 metrics)

150
Non-Interest-Bearing Deposit Share
funding
Value: 38.99%
Peer Median: 22.03%
#150 of 2643 Top 5.6% in $100M-$1B
225
Total Deposits
size
Value: $669.47M
Peer Median: $326.73M
#225 of 2643 Top 8.5% in $100M-$1B
264
Total Assets
size
Value: $761.73M
Peer Median: $386.57M
#264 of 2643 Top 10.0% in $100M-$1B
367
Total Loans
size
Value: $473.06M
Peer Median: $258.35M
#367 of 2643 Top 13.8% in $100M-$1B
525
Net Interest Margin
profitability
Value: 4.51%
Peer Median: 3.99%
#525 of 2643 Top 19.8% in $100M-$1B
557
Non-Interest Income / Assets
revenue_mix
Value: 0.35%
Peer Median: 0.57%
#557 of 2643 Top 21.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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