Fayette Savings Bank, SSB
La Grange, TX · Cert 31936 · Peer group: banks under $1B in assets in TX (n=208-211) · Fayette Bancshares Inc.
SI · FDIC · 5 branches
Q2 2026
$551.8MAssets
$425.7MLoans
$495.2MDeposits
$54.8MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 82% of banks under $1B in assets in TX (rank 39 of 211).
- Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets in TX (rank 174 of 211).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.41%
Rank 73 of 211
Net Interest Margin
3.42%
Rank 149 of 211
Efficiency Ratio
49.56%
Rank 39 of 211
Equity / Assets
9.93%
Rank 139 of 211
Non-interest income vs. expense
Unfavorable gap of $8.5M · efficiency ratio beats 82% 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 | 1.41% | 0.87% | 1.20% | 1.65% | Beats 65% | 73 / 211 | | |
| Return on Equity | 14.22% | 7.52% | 11.67% | 14.58% | Beats 73% | 57 / 211 | | |
| Net Interest Margin | 3.42% | 3.28% | 3.82% | 4.31% | Beats 29% | 149 / 211 | | |
| Efficiency Ratio | 49.56% | 53.01% | 64.18% | 73.65% | Beats 82% | 39 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.30% | 1.10% | Beats 77% | 48 / 208 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 79% | 45 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 10.95% | 11.72% | 14.45% | 19.57% | Beats 18% | 173 / 211 | | |
| Total Risk-Based Capital Ratio | 10.95% | 11.94% | 14.78% | 20.30% | Beats 18% | 174 / 211 | | |
| Equity / Assets | 9.93% | 9.41% | 11.06% | 12.94% | Beats 34% | 139 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.97% | 45.39% | 66.56% | 82.03% | 83rd pctl | 35 / 208 | | |
| Loans / Assets | 77.15% | 39.13% | 56.90% | 70.46% | 88th pctl | 25 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |