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First State Bank of Odem

$100M-$1B Specialty: Commercial TX FDIC cert 16334

Odem, TX

5 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 +7.7% year over year ($181.0M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 2.40%.
  • Efficiency ratio 50.69% vs a 64.48% peer average.
  • Loan-to-deposit ratio 56.97% 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 Odem demonstrates 6 strengths

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 1.1% in tier
  • + Revenue Diversifier: Top 19.7% in tier
  • + Credit Quality Leader: Top 31.6% in tier
  • + Return on Assets 1.07% above tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 13.79% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First State Bank of Odem releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $212.6M
+4.1% YoY -1.2% QoQ
-$173.9M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
30%
Total Loans ? $103.1M
+4.7% YoY +6.7% QoQ
-$155.2M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
20%
Total Deposits ? $181.0M
+7.7% YoY -1.9% QoQ
-$145.7M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
30%
Return on Assets ? 2.40%
-1.4% YoY -15.2% QoQ
+1.07% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 5.9% in tier
Net Interest Margin ? 5.26%
-5.2% YoY +2.7% QoQ
+1.27% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 4.7% in tier
Efficiency Ratio ? 50.69%
-0.9% YoY +8.9% QoQ
-13.79% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
82%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 56.97%
-2.7% YoY +8.8% QoQ
-20.98% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Top 14.3% in tier
Non-Interest-Bearing Deposit Share ? 54.62%
+24.8% YoY -4.6% QoQ
+32.59% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 1.1% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 14.39%
-15.7% YoY +4.0% QoQ
-1.52% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
61%
Non-Interest Income / Assets ? 0.48%
+86.6% YoY +41.5% QoQ
-0.08% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Top 9.9% in tier

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 54.6%
+10.9pp YoY
-2.6pp QoQ
 +32.5pp 22.1% 29.2% 22.2% 99%
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 27.3%
-3.5pp YoY
-0.6pp QoQ
 +15.7pp 11.6% 14.8% 12.5% 95%
CRE 56.0%
+8.0pp YoY
+0.3pp QoQ
 +16.4pp 39.5% 48.4% 41.4% 80%
1-4 Family 11.1%
-1.8pp YoY
+0.7pp QoQ
 -21.6pp 32.6% 25.8% 31.3% 12%
Consumer 2.4%
-0.5pp YoY
-0.3pp QoQ
 -1.7pp 4.1% 4.7% 5.0% 53%

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 14.4%
-2.7pp YoY
+0.5pp QoQ
 +2.2pp 12.2% 12.6% 12.6% 83%
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 33
0 YoY
0 QoQ
 -26 58 186 482 31%
Assets per Employee ($) $6.4M
+4.1% YoY
-1.2% QoQ
 -$1.1M $7.5M $10.1M $8.8M 41%
Branch Count 5
0 YoY
0 QoQ
 0 4 12 18 55%

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 n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 18.82x 20.23x n/a
Net Charge-off Rate (YTD) -0.7%
-0.7pp YoY
+0.8pp QoQ
 -0.9pp 0.1% 0.1% 0.2% 0%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 17.0%
+2.4pp YoY
-3.1pp QoQ
 +4.8pp 12.2% 13.2% 11.6% 77%
Cost of Funds (YTD) 1.0%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 1.7% 1.6% 1.7% 9%
Net Income ($, YTD) $2.5M
+2.2% YoY
— QoQ
 -$43K $2.6M $15.9M $40.4M 62%

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 (3)

Deposit Franchise

growth
#4 of 278 • Top 1.1% 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: 54.62%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.26%
(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

Revenue Diversifier

growth
#131 of 661 • Top 19.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.48%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.40%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Credit Quality Leader

growth
#209 of 659 • Top 31.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 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 (8 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
30
Non-Interest-Bearing Deposit Share
funding
Value: 54.62%
Peer Median: 22.03%
#30 of 2643 Top 1.1% in $100M-$1B
126
Net Interest Margin
profitability
Value: 5.26%
Peer Median: 3.99%
#126 of 2643 Top 4.7% in $100M-$1B
156
Return on Assets
profitability
Value: 2.40%
Peer Median: 1.32%
#156 of 2643 Top 5.9% in $100M-$1B
263
Non-Interest Income / Assets
revenue_mix
Value: 0.48%
Peer Median: 0.57%
#263 of 2643 Top 9.9% in $100M-$1B
379
Loan-to-Deposit Ratio
liquidity
Value: 56.97%
Peer Median: 77.95%
#379 of 2643 Top 14.3% in $100M-$1B
479
Efficiency Ratio
profitability
Value: 50.69%
Peer Median: 64.48%
#479 of 2643 Top 18.1% in $100M-$1B

Top Weaknesses (1 metrics)

2116
Total Loans
size
Value: $103.13M
Peer Median: $258.35M
#2116 of 2643 Bottom 20.0% in $100M-$1B
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