First State Bank of San Diego
San Diego, TX · Cert 17350 · Peer group: banks under $1B in assets in TX (n=208-211) · San Diego Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$68.2MAssets
$15.2MLoans
$61.9MDeposits
$6.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
- Widest gap: return on equity trails 98% of banks under $1B in assets in TX (rank 207 of 211).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
-0.58%
Rank 205 of 211
Net Interest Margin
3.96%
Rank 97 of 211
Efficiency Ratio
114.73%
Rank 205 of 211
Equity / Assets
8.89%
Rank 173 of 211
Non-interest income vs. expense
Unfavorable gap of $3.2M · efficiency ratio beats 3% 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 | -0.58% | 0.87% | 1.20% | 1.65% | Beats 3% | 205 / 211 | | |
| Return on Equity | -6.49% | 7.52% | 11.67% | 14.58% | Beats 2% | 207 / 211 | | |
| Net Interest Margin | 3.96% | 3.28% | 3.82% | 4.31% | Beats 54% | 97 / 211 | | |
| Efficiency Ratio | 114.73% | 53.01% | 64.18% | 73.65% | Beats 3% | 205 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.65% | 0.01% | 0.30% | 1.10% | Beats 8% | 193 / 208 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 27.70% | 11.72% | 14.45% | 19.57% | Beats 87% | 28 / 211 | | |
| Total Risk-Based Capital Ratio | 28.95% | 11.94% | 14.78% | 20.30% | Beats 87% | 27 / 211 | | |
| Equity / Assets | 8.89% | 9.41% | 11.06% | 12.94% | Beats 18% | 173 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 24.52% | 45.39% | 66.56% | 82.03% | 6th pctl | 196 / 208 | | |
| Loans / Assets | 22.24% | 39.13% | 56.90% | 70.46% | 7th pctl | 196 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |