First State Bank
Clute, TX · Cert 17950 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21) · FSB Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$478.1MAssets
$354.7MLoans
$429.1MDeposits
$43.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 90% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 3 of 21).
- Widest gap: net charge-offs / loans trails 86% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 19 of 21).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.52%
Rank 4 of 21
Net Interest Margin
4.11%
Rank 10 of 21
Efficiency Ratio
50.32%
Rank 3 of 21
Equity / Assets
9.08%
Rank 16 of 21
Non-interest income vs. expense
Unfavorable gap of $8.8M · efficiency ratio beats 90% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.52% | 0.77% | 1.16% | 1.46% | Beats 81% | 4 / 21 | | |
| Return on Equity | 16.72% | 6.66% | 8.42% | 15.66% | Beats 86% | 3 / 21 | | |
| Net Interest Margin | 4.11% | 3.50% | 3.97% | 4.41% | Beats 52% | 10 / 21 | | |
| Efficiency Ratio | 50.32% | 59.33% | 68.18% | 79.00% | Beats 90% | 3 / 21 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.38% | 0.01% | 0.37% | 1.25% | Beats 24% | 17 / 21 | | |
| Net Charge-Offs / Loans | 0.06% | n/a | 0.01% | 0.05% | Beats 14% | 19 / 21 | | |
| Capital |
| Tier 1 Capital Ratio | 13.39% | 12.65% | 15.76% | 18.38% | Beats 33% | 14 / 21 | | |
| Total Risk-Based Capital Ratio | 14.64% | 12.65% | 16.68% | 19.63% | Beats 33% | 14 / 21 | | |
| Equity / Assets | 9.08% | 9.08% | 11.30% | 15.80% | Beats 24% | 16 / 21 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.66% | 64.96% | 78.30% | 90.30% | 62nd pctl | 8 / 21 | | |
| Loans / Assets | 74.20% | 55.83% | 65.86% | 74.20% | 71st pctl | 6 / 21 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |