First State Bank of Odem: how it compares with its peers
Against 130 TX banks with half to twice its assets, First State Bank of Odem's strongest measure in Q2 2026 is net interest margin (5.26% vs. a 4.19% peer median). Its weakest relative measure is assets per employee ($6.4M vs. $6.6M).
| Measure | First State Bank of Odem | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.40% | 1.44% | Top third Ahead of 89% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.26% | 4.19% | Top third Ahead of 92% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.69% | 63.34% | Top third Ahead of 81% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $6.6M | Middle third Ahead of 47% of peers |
| Loans to deposits Net loans and leases over total deposits. | 56.97% | 66.68% | Context |
What it means for lending operations
Its efficiency ratio of 50.69% is better than the 63.34% 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
- The Perryton National Bank Perryton, TX · $213M
- The Community Bank Bridgeport, TX · $212M
- First Texas National Bank Floydada, TX · $217M
- First National Bank of Lake Jackson Lake Jackson, TX · $218M
- BOC Bank Mclean, TX · $203M
- Lone Star Bank Houston, TX · $202M
Questions about First State Bank of Odem
How big is First State Bank of Odem?
First State Bank of Odem, established in 1945, is headquartered in Odem, TX. It reported $213M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is First State Bank of Odem's return on assets?
2.40% annualized in Q2 2026, against a 1.44% median for 130 TX banks with half to twice its assets, ahead of 89% of them.
What is First State Bank of Odem's efficiency ratio?
50.69% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 63.34%, and lower is better.
Is First State Bank of Odem growing its loans?
Net loans grew 4.7% over the year to Q2 2026, while deposits grew 7.7%.
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.