First State Bank of Texas: how it compares with its peers
Against 141 TX banks with half to twice its assets, First State Bank of Texas's strongest measure in Q2 2026 is net interest margin (5.04% vs. a 4.18% peer median). Its weakest relative measure is return on assets (0.57% vs. 1.46%).
| Measure | First State Bank of Texas | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.57% | 1.46% | Bottom third Ahead of 10% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.04% | 4.18% | Top third Ahead of 89% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 72.68% | 61.18% | Bottom third Ahead of 18% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $7.0M | Bottom third Ahead of 16% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.12% | 69.23% | Context |
What it means for lending operations
Its efficiency ratio of 72.68% is above the 61.18% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Waggoner National Bank of Vernon Vernon, TX · $354M
- First National Bank of Giddings Giddings, TX · $356M
- Ozona Bank Ozona, TX · $346M
- First National Bank in Port Lavaca Port Lavaca, TX · $361M
- First National Bank of Hereford Hereford, TX · $345M
- The National Bank of Andrews Andrews, TX · $341M
Questions about First State Bank of Texas
How big is First State Bank of Texas?
First State Bank of Texas, established in 1914, is headquartered in Orange, TX. It reported $354M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is First State Bank of Texas's return on assets?
0.57% annualized in Q2 2026, against a 1.46% median for 141 TX banks with half to twice its assets, ahead of 10% of them.
What is First State Bank of Texas's efficiency ratio?
72.68% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 61.18%, and lower is better.
Is First State Bank of Texas growing its loans?
Net loans grew 23.0% over the year to Q2 2026, while deposits grew 0.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.