First State Bank of Uvalde
Uvalde, TX · Cert 9978 · Peer group: banks $1B-$10B in assets (n=322-328) · Briscoe Ranch Inc.
State charter, non-member · FDIC · 1 affiliate bank · 8 branches (16 in holding)
Q2 2026
$1.7BAssets
$672.0MLoans
$1.5BDeposits
$211.8MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 90% of banks $1B-$10B in assets (rank 35 of 328).
- Widest gap: net interest margin trails 97% of banks $1B-$10B in assets (rank 318 of 328).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.23%
Rank 161 of 328
Net Interest Margin
2.32%
Rank 318 of 328
Efficiency Ratio
44.70%
Rank 35 of 328
Equity / Assets
12.58%
Rank 63 of 328
Non-interest income vs. expense
Unfavorable gap of $16.0M · efficiency ratio beats 90% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.23% | 0.91% | 1.22% | 1.52% | Beats 51% | 161 / 328 | | |
| Return on Equity | 9.82% | 8.43% | 11.45% | 14.43% | Beats 34% | 217 / 328 | | |
| Net Interest Margin | 2.32% | 3.03% | 3.45% | 3.83% | Beats 3% | 318 / 328 | | |
| Efficiency Ratio | 44.70% | 51.61% | 59.56% | 67.53% | Beats 90% | 35 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.27% | 0.24% | 0.51% | 1.03% | Beats 20% | 258 / 322 | | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.03% | 0.10% | Beats 37% | 203 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 15.66% | 11.75% | 13.15% | 15.47% | Beats 77% | 77 / 328 | | |
| Total Risk-Based Capital Ratio | 15.66% | 12.63% | 14.15% | 16.46% | Beats 70% | 99 / 328 | | |
| Equity / Assets | 12.58% | 9.15% | 10.33% | 12.01% | Beats 81% | 63 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 45.90% | 76.63% | 87.92% | 95.36% | 3rd pctl | 313 / 323 | | |
| Loans / Assets | 39.90% | 65.18% | 74.15% | 79.98% | 5th pctl | 313 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |