First State Bank of Burnet
Burnet, TX · Cert 11557 · Peer group: banks under $1B in assets in TX (n=208-211)
State charter, non-member · FDIC · 4 branches
Q2 2026
$325.8MAssets
$179.8MLoans
$289.0MDeposits
$36.0MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 68% of banks under $1B in assets in TX (rank 68 of 211).
- Widest gap: total risk-based capital ratio trails 66% of banks under $1B in assets in TX (rank 140 of 211).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.27%
Rank 94 of 211
Net Interest Margin
3.72%
Rank 116 of 211
Efficiency Ratio
56.38%
Rank 68 of 211
Equity / Assets
11.05%
Rank 107 of 211
Non-interest income vs. expense
Unfavorable gap of $6.6M · efficiency ratio beats 68% 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 | 1.27% | 0.87% | 1.20% | 1.65% | Beats 55% | 94 / 211 | | |
| Return on Equity | 11.48% | 7.52% | 11.67% | 14.58% | Beats 49% | 107 / 211 | | |
| Net Interest Margin | 3.72% | 3.28% | 3.82% | 4.31% | Beats 45% | 116 / 211 | | |
| Efficiency Ratio | 56.38% | 53.01% | 64.18% | 73.65% | Beats 68% | 68 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.01% | 0.30% | 1.10% | Beats 61% | 82 / 208 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 52% | 102 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 12.53% | 11.72% | 14.45% | 19.57% | Beats 34% | 140 / 211 | | |
| Total Risk-Based Capital Ratio | 12.53% | 11.94% | 14.78% | 20.30% | Beats 34% | 140 / 211 | | |
| Equity / Assets | 11.05% | 9.41% | 11.06% | 12.94% | Beats 49% | 107 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 62.21% | 45.39% | 66.56% | 82.03% | 40th pctl | 124 / 208 | | |
| Loans / Assets | 55.18% | 39.13% | 56.90% | 70.46% | 44th pctl | 119 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |