First State Bank
Spearman, TX · Cert 1218 · Peer group: banks under $1B in assets in TX (n=208-211) · First State Bankshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$184.0MAssets
$147.2MLoans
$154.0MDeposits
$23.6MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 73% of banks under $1B in assets in TX (rank 58 of 211).
- Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets in TX (rank 206 of 208).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.37%
Rank 77 of 211
Net Interest Margin
4.12%
Rank 72 of 211
Efficiency Ratio
58.80%
Rank 80 of 211
Equity / Assets
12.80%
Rank 58 of 211
Non-interest income vs. expense
Unfavorable gap of $4.3M · efficiency ratio beats 63% 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 | 1.37% | 0.87% | 1.20% | 1.65% | Beats 64% | 77 / 211 | |
| Return on Equity | 10.70% | 7.52% | 11.67% | 14.58% | Beats 44% | 118 / 211 | |
| Net Interest Margin | 4.12% | 3.28% | 3.82% | 4.31% | Beats 66% | 72 / 211 | |
| Efficiency Ratio | 58.80% | 53.01% | 64.18% | 73.65% | Beats 63% | 80 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.44% | 0.01% | 0.30% | 1.10% | Beats 1% | 206 / 208 | |
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.01% | 0.06% | Beats 22% | 163 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 12.57% | 11.72% | 14.45% | 19.57% | Beats 35% | 138 / 211 | |
| Total Risk-Based Capital Ratio | 12.57% | 11.94% | 14.78% | 20.30% | Beats 35% | 138 / 211 | |
| Equity / Assets | 12.80% | 9.41% | 11.06% | 12.94% | Beats 73% | 58 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 95.59% | 45.39% | 66.56% | 82.03% | 95th pctl | 11 / 208 | |
| Loans / Assets | 80.01% | 39.13% | 56.90% | 70.46% | 95th pctl | 11 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |