First State Bank
Paint Rock, TX · Cert 17775 · Peer group: banks under $1B in assets in TX (n=208-211) · Paint Rock Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$174.3MAssets
$58.6MLoans
$148.1MDeposits
$24.3MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 90% of banks under $1B in assets in TX (rank 23 of 211).
- Widest gap: net charge-offs / loans trails 98% of banks under $1B in assets in TX (rank 204 of 208).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.65%
Rank 53 of 211
Net Interest Margin
3.76%
Rank 114 of 211
Efficiency Ratio
42.85%
Rank 23 of 211
Equity / Assets
13.96%
Rank 37 of 211
Non-interest income vs. expense
Unfavorable gap of $2.6M · efficiency ratio beats 90% 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 | 1.65% | 0.87% | 1.20% | 1.65% | Beats 75% | 53 / 211 | |
| Return on Equity | 11.80% | 7.52% | 11.67% | 14.58% | Beats 51% | 103 / 211 | |
| Net Interest Margin | 3.76% | 3.28% | 3.82% | 4.31% | Beats 46% | 114 / 211 | |
| Efficiency Ratio | 42.85% | 53.01% | 64.18% | 73.65% | Beats 90% | 23 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.90% | 0.01% | 0.30% | 1.10% | Beats 16% | 175 / 208 | |
| Net Charge-Offs / Loans | 0.53% | 0.00% | 0.01% | 0.06% | Beats 2% | 204 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 14.14% | 11.72% | 14.45% | 19.57% | Beats 47% | 111 / 211 | |
| Total Risk-Based Capital Ratio | 14.14% | 11.94% | 14.78% | 20.30% | Beats 45% | 116 / 211 | |
| Equity / Assets | 13.96% | 9.41% | 11.06% | 12.94% | Beats 82% | 37 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 39.56% | 45.39% | 66.56% | 82.03% | 17th pctl | 173 / 208 | |
| Loans / Assets | 33.60% | 39.13% | 56.90% | 70.46% | 17th pctl | 176 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |