First State Bank of Bedias: how it compares with its peers
Against 133 TX banks with half to twice its assets, First State Bank of Bedias's strongest measure in Q2 2026 is return on assets (2.58% vs. a 1.44% peer median). Its weakest relative measure is net interest margin (4.72% vs. 4.20%).
| Measure | First State Bank of Bedias | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.58% | 1.44% | Top third Ahead of 94% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.72% | 4.20% | Top third Ahead of 77% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.11% | 63.11% | Top third Ahead of 86% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.8M | $6.6M | Top third Ahead of 88% of peers |
| Loans to deposits Net loans and leases over total deposits. | 66.57% | 66.93% | Context |
What it means for lending operations
Its efficiency ratio of 47.11% is better than the 63.11% 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
- Unity National Bank of Houston Houston, TX · $225M
- Sanger Bank Sanger, TX · $224M
- The Citizens National Bank of Hillsboro Hillsboro, TX · $224M
- Muenster State Bank Muenster, TX · $227M
- The First National Bank of Anderson Anderson, TX · $230M
- First National Bank of Lake Jackson Lake Jackson, TX · $218M
Questions about First State Bank of Bedias
How big is First State Bank of Bedias?
First State Bank of Bedias, established in 1907, is headquartered in Bedias, TX. It reported $225M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is First State Bank of Bedias's return on assets?
2.58% annualized in Q2 2026, against a 1.44% median for 133 TX banks with half to twice its assets, ahead of 94% of them.
What is First State Bank of Bedias's efficiency ratio?
47.11% in Q2 2026: it spent about 47 cents in noninterest expense for each dollar of revenue. The peer median is 63.11%, and lower is better.
Is First State Bank of Bedias growing its loans?
Net loans shrank 1.1% over the year to Q2 2026, while deposits grew 7.5%.
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.