Texas State Bank
San Angelo, TX · Cert 18698 · Peer group: banks under $1B in assets in TX (n=208-211) · Texas Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$425.5MAssets
$281.0MLoans
$354.2MDeposits
$54.3MEquity
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 58% of banks under $1B in assets in TX (rank 123 of 211).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.00%
Rank 19 of 211
Net Interest Margin
4.28%
Rank 59 of 211
Efficiency Ratio
53.01%
Rank 53 of 211
Equity / Assets
12.77%
Rank 59 of 211
Non-interest income vs. expense
Unfavorable gap of $7.1M · efficiency ratio beats 75% 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 | 2.00% | 0.87% | 1.20% | 1.65% | Beats 91% | 19 / 211 | |
| Return on Equity | 15.64% | 7.52% | 11.67% | 14.58% | Beats 82% | 38 / 211 | |
| Net Interest Margin | 4.28% | 3.28% | 3.82% | 4.31% | Beats 72% | 59 / 211 | |
| Efficiency Ratio | 53.01% | 53.01% | 64.18% | 73.65% | Beats 75% | 53 / 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 64% | 77 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 13.58% | 11.72% | 14.45% | 19.57% | Beats 45% | 117 / 211 | |
| Total Risk-Based Capital Ratio | 13.58% | 11.94% | 14.78% | 20.30% | Beats 42% | 123 / 211 | |
| Equity / Assets | 12.77% | 9.41% | 11.06% | 12.94% | Beats 72% | 59 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 79.35% | 45.39% | 66.56% | 82.03% | 71st pctl | 61 / 208 | |
| Loans / Assets | 66.04% | 39.13% | 56.90% | 70.46% | 67th pctl | 69 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |