First State Bank: how it compares with its peers
Against 122 TX banks with half to twice its assets, First State Bank's strongest measure in Q2 2026 is net interest margin (4.51% vs. a 4.19% peer median). Its weakest relative measure is assets per employee ($6.0M vs. $8.0M).
| Measure | First State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.65% | 1.44% | Middle third Ahead of 63% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.51% | 4.19% | Top third Ahead of 67% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.92% | 60.06% | Middle third Ahead of 59% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $8.0M | Bottom third Ahead of 26% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.66% | 78.16% | Context |
What it means for lending operations
Its efficiency ratio of 57.92% is better than the 60.06% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Commerce Bank Laredo, TX · $762M
- Liberty Capital Bank Addison, TX · $768M
- Sage Capital Bank, Gonzales, TX · $769M
- Schertz Bank & Trust Schertz, TX · $770M
- American Bank, National Association Dallas, TX · $774M
- Kleberg Bank, N.A. Kingsville, TX · $737M
Questions about First State Bank
How big is First State Bank?
First State Bank, established in 1935, is headquartered in Athens, TX. It reported $762M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is First State Bank's return on assets?
1.65% annualized in Q2 2026, against a 1.44% median for 122 TX banks with half to twice its assets, ahead of 63% of them.
What is First State Bank's efficiency ratio?
57.92% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 60.06%, and lower is better.
Is First State Bank growing its loans?
Net loans shrank 3.2% over the year to Q2 2026, while deposits grew 5.5%.
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.