The First State Bank: how it compares with its peers
Against 112 TX banks with half to twice its assets, The First State Bank's strongest measure in Q2 2026 is return on assets (2.44% vs. a 1.44% peer median). Its weakest relative measure is assets per employee ($5.5M vs. $8.1M).
| Measure | The First State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.44% | 1.44% | Top third Ahead of 96% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.21% | 4.17% | Top third Ahead of 94% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.88% | 60.06% | Top third Ahead of 73% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $8.1M | Bottom third Ahead of 12% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.80% | 77.35% | Context |
What it means for lending operations
Its efficiency ratio of 52.88% 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
- Titan Bank, N.A. Mineral Wells, TX · $896M
- First Liberty Bank Liberty, TX · $873M
- NewFirst National Bank El Campo, TX · $935M
- Harmony Bank Dallas, TX · $855M
- Texas Heritage National Bank Daingerfield, TX · $936M
- Texas National Bank of Jacksonville Jacksonville, TX · $852M
Questions about The First State Bank
How big is The First State Bank?
The First State Bank, established in 1956, is headquartered in Louise, TX. It reported $895M in total assets in its Q2 2026 FDIC call report and operates 15 offices.
What is The First State Bank's return on assets?
2.44% annualized in Q2 2026, against a 1.44% median for 112 TX banks with half to twice its assets, ahead of 96% of them.
What is The First State Bank's efficiency ratio?
52.88% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 60.06%, and lower is better.
Is The First State Bank growing its loans?
Net loans grew 8.7% over the year to Q2 2026, while deposits grew 9.7%.
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.