Greater State Bank
McAllen, TX · Cert 31762 · Peer group: banks under $1B in assets in TX (n=208-211) · Greater State Bancshares Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
$180.2MAssets
$143.0MLoans
$159.3MDeposits
$19.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 96% of banks under $1B in assets in TX (rank 8 of 211).
- Widest gap: efficiency ratio trails 74% of banks under $1B in assets in TX (rank 157 of 211).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.25%
Rank 95 of 211
Net Interest Margin
5.59%
Rank 8 of 211
Efficiency Ratio
73.38%
Rank 157 of 211
Equity / Assets
11.01%
Rank 108 of 211
Non-interest income vs. expense
Unfavorable gap of $7.0M · efficiency ratio beats 26% 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 | 1.25% | 0.87% | 1.20% | 1.65% | Beats 55% | 95 / 211 | |
| Return on Equity | 11.38% | 7.52% | 11.67% | 14.58% | Beats 48% | 109 / 211 | |
| Net Interest Margin | 5.59% | 3.28% | 3.82% | 4.31% | Beats 96% | 8 / 211 | |
| Efficiency Ratio | 73.38% | 53.01% | 64.18% | 73.65% | Beats 26% | 157 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.01% | 0.30% | 1.10% | Beats 67% | 71 / 208 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.06% | Beats 38% | 130 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 14.45% | 11.72% | 14.45% | 19.57% | Beats 50% | 106 / 211 | |
| Total Risk-Based Capital Ratio | 15.70% | 11.94% | 14.78% | 20.30% | Beats 55% | 95 / 211 | |
| Equity / Assets | 11.01% | 9.41% | 11.06% | 12.94% | Beats 49% | 108 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 89.78% | 45.39% | 66.56% | 82.03% | 89th pctl | 22 / 208 | |
| Loans / Assets | 79.33% | 39.13% | 56.90% | 70.46% | 92nd pctl | 16 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |