First State Bank, The
Columbus, TX · Cert 12315 · Peer group: banks under $1B in assets in TX (n=208-211) · Columbus Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$154.6MAssets
$48.4MLoans
$133.6MDeposits
$20.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
- Widest gap: net interest margin trails 85% of banks under $1B in assets in TX (rank 179 of 211).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.82%
Rank 162 of 211
Net Interest Margin
2.95%
Rank 179 of 211
Efficiency Ratio
68.11%
Rank 135 of 211
Equity / Assets
13.25%
Rank 47 of 211
Non-interest income vs. expense
Unfavorable gap of $3.1M · efficiency ratio beats 36% 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 | 0.82% | 0.87% | 1.20% | 1.65% | Beats 23% | 162 / 211 | |
| Return on Equity | 6.21% | 7.52% | 11.67% | 14.58% | Beats 20% | 168 / 211 | |
| Net Interest Margin | 2.95% | 3.28% | 3.82% | 4.31% | Beats 15% | 179 / 211 | |
| Efficiency Ratio | 68.11% | 53.01% | 64.18% | 73.65% | Beats 36% | 135 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.06% | Beats 42% | 122 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 16.34% | 11.72% | 14.45% | 19.57% | Beats 62% | 80 / 211 | |
| Total Risk-Based Capital Ratio | 16.34% | 11.94% | 14.78% | 20.30% | Beats 60% | 85 / 211 | |
| Equity / Assets | 13.25% | 9.41% | 11.06% | 12.94% | Beats 78% | 47 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 36.25% | 45.39% | 66.56% | 82.03% | 13th pctl | 181 / 208 | |
| Loans / Assets | 31.34% | 39.13% | 56.90% | 70.46% | 14th pctl | 181 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |