First State Bank of Texas
Orange, TX · Cert 11922 · Peer group: banks under $1B in assets in TX (n=208-211) · County Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
$353.6MAssets
$259.5MLoans
$316.3MDeposits
$34.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 90% of banks under $1B in assets in TX (rank 21 of 211).
- Widest gap: net charge-offs / loans trails 99% of banks under $1B in assets in TX (rank 207 of 208).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.45%
Rank 184 of 211
Net Interest Margin
4.79%
Rank 21 of 211
Efficiency Ratio
73.74%
Rank 160 of 211
Equity / Assets
9.87%
Rank 143 of 211
Non-interest income vs. expense
Unfavorable gap of $12.0M · efficiency ratio beats 25% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.45% | 0.87% | 1.20% | 1.65% | Beats 13% | 184 / 211 | |
| Return on Equity | 4.57% | 7.52% | 11.67% | 14.58% | Beats 15% | 180 / 211 | |
| Net Interest Margin | 4.79% | 3.28% | 3.82% | 4.31% | Beats 90% | 21 / 211 | |
| Efficiency Ratio | 73.74% | 53.01% | 64.18% | 73.65% | Beats 25% | 160 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.85% | 0.01% | 0.30% | 1.10% | Beats 6% | 196 / 208 | |
| Net Charge-Offs / Loans | 0.90% | 0.00% | 0.01% | 0.06% | Beats 1% | 207 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 9.20% | 11.72% | 14.45% | 19.57% | Beats 2% | 207 / 211 | |
| Total Risk-Based Capital Ratio | 9.20% | 11.94% | 14.78% | 20.30% | Beats 2% | 207 / 211 | |
| Equity / Assets | 9.87% | 9.41% | 11.06% | 12.94% | Beats 32% | 143 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 82.03% | 45.39% | 66.56% | 82.03% | 75th pctl | 52 / 208 | |
| Loans / Assets | 73.38% | 39.13% | 56.90% | 70.46% | 84th pctl | 34 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |