First State Bank
Stratford, TX · Cert 16695 · Peer group: banks under $1B in assets in TX (n=208-211) · Stratford Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$371.9MAssets
$245.3MLoans
$326.4MDeposits
$43.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
- Widest gap: total risk-based capital ratio trails 64% of banks under $1B in assets in TX (rank 136 of 211).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.80%
Rank 32 of 211
Net Interest Margin
3.78%
Rank 112 of 211
Efficiency Ratio
42.53%
Rank 21 of 211
Equity / Assets
11.75%
Rank 89 of 211
Non-interest income vs. expense
Unfavorable gap of $4.9M · efficiency ratio beats 91% 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 | 1.80% | 0.87% | 1.20% | 1.65% | Beats 85% | 32 / 211 | |
| Return on Equity | 15.34% | 7.52% | 11.67% | 14.58% | Beats 80% | 42 / 211 | |
| Net Interest Margin | 3.78% | 3.28% | 3.82% | 4.31% | Beats 47% | 112 / 211 | |
| Efficiency Ratio | 42.53% | 53.01% | 64.18% | 73.65% | Beats 91% | 21 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 12.58% | 11.72% | 14.45% | 19.57% | Beats 36% | 136 / 211 | |
| Total Risk-Based Capital Ratio | 12.58% | 11.94% | 14.78% | 20.30% | Beats 36% | 136 / 211 | |
| Equity / Assets | 11.75% | 9.41% | 11.06% | 12.94% | Beats 58% | 89 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 75.16% | 45.39% | 66.56% | 82.03% | 64th pctl | 74 / 208 | |
| Loans / Assets | 65.96% | 39.13% | 56.90% | 70.46% | 67th pctl | 70 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |