First State Bank
Junction, TX · Cert 16643 · Peer group: banks under $1B in assets in TX (n=208-211) · Kimble County Bancshares Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
$58.2MAssets
$21.4MLoans
$51.9MDeposits
$6.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 87% of banks under $1B in assets in TX (rank 27 of 211).
- Widest gap: net charge-offs / loans trails 87% of banks under $1B in assets in TX (rank 181 of 208).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.31%
Rank 86 of 211
Net Interest Margin
4.61%
Rank 27 of 211
Efficiency Ratio
65.72%
Rank 121 of 211
Equity / Assets
10.39%
Rank 128 of 211
Non-interest income vs. expense
Unfavorable gap of $1.7M · efficiency ratio beats 43% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.31% | 0.87% | 1.20% | 1.65% | Beats 59% | 86 / 211 | | |
| Return on Equity | 12.64% | 7.52% | 11.67% | 14.58% | Beats 57% | 91 / 211 | | |
| Net Interest Margin | 4.61% | 3.28% | 3.82% | 4.31% | Beats 87% | 27 / 211 | | |
| Efficiency Ratio | 65.72% | 53.01% | 64.18% | 73.65% | Beats 43% | 121 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.01% | 0.30% | 1.10% | Beats 47% | 112 / 208 | | |
| Net Charge-Offs / Loans | 0.15% | 0.00% | 0.01% | 0.06% | Beats 13% | 181 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 10.64% | 11.72% | 14.45% | 19.57% | Beats 16% | 178 / 211 | | |
| Total Risk-Based Capital Ratio | 10.64% | 11.94% | 14.78% | 20.30% | Beats 15% | 180 / 211 | | |
| Equity / Assets | 10.39% | 9.41% | 11.06% | 12.94% | Beats 39% | 128 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 41.20% | 45.39% | 66.56% | 82.03% | 19th pctl | 168 / 208 | | |
| Loans / Assets | 36.70% | 39.13% | 56.90% | 70.46% | 22nd pctl | 165 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |