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The First State Bank

$100M-$1B Specialty: Agricultural TX FDIC cert 17588

Louise, TX

15 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 +9.7% year over year ($806.8M on the books).
  • Delinquency rate 2.18%.
  • Return on assets 2.44%.
  • Efficiency ratio 52.88% vs a 64.48% peer average.
  • Loan-to-deposit ratio 79.80% 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) →

The First State Bank has 4 strengths but faces 2 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

  • + Revenue Diversifier: Top 29.0% in tier
  • + Return on Assets 1.12% above tier average
  • + Net Interest Margin 1.22% above tier average
  • + Efficiency Ratio 11.60% below tier average

Key Concerns

Areas that may need attention

  • - Non-Interest-Bearing Deposit Share 19.71% below tier average
  • - Delinquency Rate 1.26% above tier average
Get updates when The 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 ? $895.2M
+10.2% YoY +1.2% QoQ
+$508.6M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Top 4.0% in tier
Total Loans ? $643.8M
+8.7% YoY +1.5% QoQ
+$385.5M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Top 4.2% in tier
Total Deposits ? $806.8M
+9.7% YoY +1.1% QoQ
+$480.0M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Top 1.8% in tier
Return on Assets ? 2.44%
-7.6% YoY +7.2% QoQ
+1.12% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 5.3% in tier
Net Interest Margin ? 5.21%
+0.7% YoY +1.5% QoQ
+1.22% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 5.3% in tier
Efficiency Ratio ? 52.88%
+5.2% YoY -2.8% QoQ
-11.60% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
77%
Delinquency Rate ? 2.18%
+118.7% YoY +11.3% QoQ
+1.26% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Bottom 11.2% in tier
Loan-to-Deposit Ratio ? 79.80%
-0.9% YoY +0.5% QoQ
+1.85% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
50%
Non-Interest-Bearing Deposit Share ? 2.33%
-33.3% YoY -30.3% QoQ
-19.71% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Bottom 1.7% in tier
Nonperforming Asset Ratio ? 1.58%
+116.5% YoY +11.9% QoQ
+0.91% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Bottom 11.1% in tier
Tier 1 Capital Ratio ? 10.58%
-1.4% YoY -0.4% QoQ
-5.32% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
18%
Non-Interest Income / Assets ? 0.37%
-17.8% YoY +103.2% QoQ
-0.20% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
82%

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 2.3%
-1.2pp YoY
-1.0pp QoQ
 -19.8pp 22.1% 29.2% 22.2% 1%
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 7.4%
-0.3pp YoY
0.0pp QoQ
 -4.2pp 11.6% 14.8% 12.5% 36%
CRE 39.7%
-1.2pp YoY
-0.8pp QoQ
 +0.1pp 39.5% 48.4% 41.4% 52%
1-4 Family 16.8%
-0.7pp YoY
+0.2pp QoQ
 -15.8pp 32.6% 25.8% 31.3% 23%
Consumer 0.5%
0.0pp YoY
0.0pp QoQ
 -3.6pp 4.1% 4.7% 5.0% 16%

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 10.6%
-0.2pp YoY
0.0pp QoQ
 -1.6pp 12.2% 12.6% 12.6% 43%
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 163
+2 (+1.2%) YoY
+1 (+0.6%) QoQ
 +104 58 186 482 98%
Assets per Employee ($) $5.5M
+8.8% YoY
+0.6% QoQ
 -$2.0M $7.5M $10.1M $8.8M 22%
Branch Count 15
+1 (+7.1%) YoY
0 QoQ
 +10 4 12 18 98%

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 2.2%
+1.2pp YoY
+0.2pp QoQ
 +1.2pp 0.9% 1.0% 1.0% 89%
Allowance Coverage 0.59x
-56.4% YoY
-9.9% QoQ
 -23.56x 24.15x 18.82x 20.23x 14%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.1% 0.2% 79%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 27.4%
-5.3pp YoY
+1.8pp QoQ
 +15.3pp 12.2% 13.2% 11.6% 98%
Cost of Funds (YTD) 1.0%
0.0pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.6% 1.7% 10%
Net Income ($, YTD) $10.8M
-0.5% YoY
— QoQ
 +$8.3M $2.6M $15.9M $40.4M 99%

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)

Revenue Diversifier

growth
#193 of 661 • Top 29.0% 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: 0.37%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.44%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | 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 (7 metrics)

49
Total Deposits
size
Value: $806.76M
Peer Median: $326.73M
#49 of 2643 Top 1.8% in $100M-$1B
107
Total Assets
size
Value: $895.17M
Peer Median: $386.57M
#107 of 2643 Top 4.0% in $100M-$1B
112
Total Loans
size
Value: $643.84M
Peer Median: $258.35M
#112 of 2643 Top 4.2% in $100M-$1B
141
Return on Assets
profitability
Value: 2.44%
Peer Median: 1.32%
#141 of 2643 Top 5.3% in $100M-$1B
141
Net Interest Margin
profitability
Value: 5.21%
Peer Median: 3.99%
#141 of 2643 Top 5.3% in $100M-$1B
482
Non-Interest Income / Assets
revenue_mix
Value: 0.37%
Peer Median: 0.57%
#482 of 2643 Top 18.2% in $100M-$1B
603
Efficiency Ratio
profitability
Value: 52.88%
Peer Median: 64.48%
#603 of 2643 Top 22.8% in $100M-$1B

Top Weaknesses (4 metrics)

2598
Non-Interest-Bearing Deposit Share
funding
Value: 2.33%
Peer Median: 22.03%
#2598 of 2643 Bottom 1.7% in $100M-$1B
2351
Nonperforming Asset Ratio
credit_quality
Value: 1.58%
Peer Median: 0.67%
#2351 of 2643 Bottom 11.1% in $100M-$1B
2340
Delinquency Rate
credit_quality
Value: 2.18%
Peer Median: 0.92%
#2340 of 2633 Bottom 11.2% in $100M-$1B
2169
Tier 1 Capital Ratio
capital
Value: 10.58%
Peer Median: 15.91%
#2169 of 2643 Bottom 18.0% in $100M-$1B
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