First State Bank, The
Abernathy, TX · Cert 11175 · Peer group: banks under $1B in assets in TX (n=208-211) · Turner Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$121.4MAssets
$88.3MLoans
$96.4MDeposits
$16.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 99% of banks under $1B in assets in TX (rank 2 of 211).
- Widest gap: nonperforming loans / loans trails 87% of banks under $1B in assets in TX (rank 182 of 208).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.74%
Rank 42 of 211
Net Interest Margin
6.66%
Rank 2 of 211
Efficiency Ratio
67.77%
Rank 133 of 211
Equity / Assets
13.54%
Rank 45 of 211
Non-interest income vs. expense
Unfavorable gap of $5.1M · efficiency ratio beats 37% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.74% | 0.87% | 1.20% | 1.65% | Beats 80% | 42 / 211 | | |
| Return on Equity | 12.86% | 7.52% | 11.67% | 14.58% | Beats 62% | 80 / 211 | | |
| Net Interest Margin | 6.66% | 3.28% | 3.82% | 4.31% | Beats 99% | 2 / 211 | | |
| Efficiency Ratio | 67.77% | 53.01% | 64.18% | 73.65% | Beats 37% | 133 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.13% | 0.01% | 0.30% | 1.10% | Beats 13% | 182 / 208 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.06% | Beats 39% | 127 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 15.85% | 11.72% | 14.45% | 19.57% | Beats 59% | 87 / 211 | | |
| Total Risk-Based Capital Ratio | 16.92% | 11.94% | 14.78% | 20.30% | Beats 63% | 79 / 211 | | |
| Equity / Assets | 13.54% | 9.41% | 11.06% | 12.94% | Beats 79% | 45 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.51% | 45.39% | 66.56% | 82.03% | 91st pctl | 18 / 208 | | |
| Loans / Assets | 72.70% | 39.13% | 56.90% | 70.46% | 81st pctl | 41 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |