First State Bank of Bedias
Bedias, TX · Cert 16895 · Peer group: banks under $1B in assets in TX (n=208-211) · Bedias Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
$224.8MAssets
$124.7MLoans
$184.7MDeposits
$38.9MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 91% of banks under $1B in assets in TX (rank 18 of 211).
- Widest gap: nonperforming loans / loans trails 85% of banks under $1B in assets in TX (rank 178 of 208).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.98%
Rank 21 of 211
Net Interest Margin
4.30%
Rank 55 of 211
Efficiency Ratio
47.11%
Rank 31 of 211
Equity / Assets
17.32%
Rank 18 of 211
Non-interest income vs. expense
Unfavorable gap of $4.0M · efficiency ratio beats 86% 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 | 1.98% | 0.87% | 1.20% | 1.65% | Beats 90% | 21 / 211 | |
| Return on Equity | 11.45% | 7.52% | 11.67% | 14.58% | Beats 49% | 108 / 211 | |
| Net Interest Margin | 4.30% | 3.28% | 3.82% | 4.31% | Beats 74% | 55 / 211 | |
| Efficiency Ratio | 47.11% | 53.01% | 64.18% | 73.65% | Beats 86% | 31 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.02% | 0.01% | 0.30% | 1.10% | Beats 15% | 178 / 208 | |
| Net Charge-Offs / Loans | 0.11% | 0.00% | 0.01% | 0.06% | Beats 17% | 173 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 17.94% | 11.72% | 14.45% | 19.57% | Beats 72% | 60 / 211 | |
| Total Risk-Based Capital Ratio | 17.94% | 11.94% | 14.78% | 20.30% | Beats 65% | 73 / 211 | |
| Equity / Assets | 17.32% | 9.41% | 11.06% | 12.94% | Beats 91% | 18 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 67.51% | 45.39% | 66.56% | 82.03% | 53rd pctl | 98 / 208 | |
| Loans / Assets | 55.46% | 39.13% | 56.90% | 70.46% | 44th pctl | 118 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |