Spearman, TX · Cert 1218 · First State Bankshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Amarillo, TX · 2026 SOD (annual) · 0.1% share · #18 of 21 inst. · $0.0B of $11.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.13% | 1.25% | 1.26% | 1.32% | 1.34% | 1.30% | 1.36% | +10 bps | |
| Return on Equity | 9.97% | 10.55% | 10.91% | 10.87% | 11.34% | 11.27% | 10.59% | 10.94% | +7 bps | |
| Net Interest Margin | 3.94% | 3.95% | 3.98% | 3.99% | 4.22% | 4.32% | 4.29% | 4.12% | +12 bps | |
| Efficiency Ratio | 60.50% | 59.96% | 59.32% | 60.42% | 58.26% | 56.80% | 60.83% | 58.80% | -162 bps | |
| Non-Interest Burden | 2.25% | 2.23% | 2.24% | 2.28% | 2.32% | 2.31% | 2.47% | 2.29% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.24% | -5.70% | -0.38% | -0.02% | 4.46% | 2.39% | 3.50% | 2.11% | +212 bps | |
| Loan Growth (YoY) | 5.75% | 3.13% | -2.16% | -4.28% | -4.73% | -5.96% | 1.47% | -1.29% | +299 bps | |
| Deposit Growth (YoY) | -4.62% | -7.70% | -0.43% | -1.30% | 4.18% | -3.38% | -1.68% | -2.33% | -103 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.57% | 1.67% | 0.46% | 0.55% | 0.39% | 0.24% | 2.42% | 4.44% | +390 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.22% | 0.08% | 0.38% | 0.26% | 0.16% | 0.27% | 0.13% | -24 bps | |
| Allowance / Loans | 1.18% | 1.12% | 1.23% | 1.06% | 1.12% | 1.24% | 1.20% | 1.25% | +19 bps | |
| Allowance Coverage of NPLs | 2.1x | 0.7x | 2.7x | 1.9x | 2.9x | 5.1x | 0.5x | 0.3x | -1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.18% | 11.39% | 11.56% | 11.67% | 12.36% | 12.84% | 12.65% | 12.57% | +90 bps | |
| Total Risk-Based Capital | 11.18% | 11.39% | 11.56% | 11.67% | 12.36% | 12.84% | 12.65% | 12.57% | +90 bps | |
| Equity / Assets | 11.17% | 11.61% | 11.30% | 11.88% | 11.90% | 12.57% | 12.04% | 12.80% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.57% | 100.41% | 88.96% | 94.58% | 92.89% | 97.73% | 91.81% | 95.59% | +101 bps | |
| Liquid Assets / Assets | 2.41% | 3.13% | 12.32% | 8.40% | 8.91% | 5.64% | 13.18% | 10.19% | +178 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 183.82% | 172.37% | 194.28% | n/a | n/a | |