First State Bank
Gainesville, TX · Cert 15511 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Red River Bcorp Inc.
State charter, Fed member · FED · 14 branches
Q2 2026
$1.9BAssets
$955.7MLoans
$1.7BDeposits
$154.7MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 67% of banks $1B-$10B in assets operating in a single state (rank 84 of 258).
- Widest gap: net charge-offs / loans trails 90% of banks $1B-$10B in assets operating in a single state (rank 234 of 258).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.79%
Rank 215 of 258
Net Interest Margin
3.60%
Rank 107 of 258
Efficiency Ratio
76.09%
Rank 227 of 257
Equity / Assets
8.35%
Rank 227 of 258
Non-interest income vs. expense
Unfavorable gap of $47.1M · efficiency ratio beats 12% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.79% | 0.93% | 1.23% | 1.54% | Beats 17% | 215 / 258 | |
| Return on Equity | 9.42% | 9.26% | 11.84% | 14.74% | Beats 26% | 190 / 258 | |
| Net Interest Margin | 3.60% | 3.16% | 3.49% | 3.88% | Beats 59% | 107 / 258 | |
| Efficiency Ratio | 76.09% | 51.71% | 60.30% | 69.65% | Beats 12% | 227 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.94% | 0.19% | 0.46% | 0.90% | Beats 23% | 199 / 258 | |
| Net Charge-Offs / Loans | 0.21% | 0.01% | 0.02% | 0.07% | Beats 10% | 234 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 14.08% | 11.41% | 12.98% | 15.12% | Beats 66% | 89 / 258 | |
| Total Risk-Based Capital Ratio | 15.18% | 12.10% | 13.91% | 16.08% | Beats 67% | 84 / 258 | |
| Equity / Assets | 8.35% | 9.09% | 10.24% | 11.72% | Beats 12% | 227 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 57.55% | 73.24% | 86.34% | 95.95% | 6th pctl | 243 / 258 | |
| Loans / Assets | 51.62% | 63.01% | 72.27% | 78.40% | 7th pctl | 240 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |