First State Bank of Uvalde: how it compares with its peers
Against 78 TX banks with half to twice its assets, First State Bank of Uvalde's strongest measure in Q2 2026 is efficiency ratio (44.70% vs. a 58.36% peer median). Its weakest relative measure is net interest margin (2.52% vs. 4.04%).
| Measure | First State Bank of Uvalde | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.19% | 1.48% | Bottom third Ahead of 32% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.52% | 4.04% | Bottom third Ahead of 3% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.70% | 58.36% | Top third Ahead of 86% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.4M | $8.6M | Top third Ahead of 81% of peers |
| Loans to deposits Net loans and leases over total deposits. | 45.17% | 80.49% | Context |
What it means for lending operations
Its efficiency ratio of 44.70% is better than the 58.36% 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
- Commercial Bank of Texas, National Association Nacogdoches, TX · $1.69B
- Community National Bank & Trust of Texas Corsicana, TX · $1.68B
- Benchmark Bank Plano, TX · $1.65B
- First National Bank of Central Texas Waco, TX · $1.77B
- North Dallas Bank & Trust Co. Dallas, TX · $1.81B
- The Moody National Bank Galveston, TX · $1.54B
Questions about First State Bank of Uvalde
How big is First State Bank of Uvalde?
First State Bank of Uvalde, established in 1907, is headquartered in Uvalde, TX. It reported $1.68B in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is First State Bank of Uvalde's return on assets?
1.19% annualized in Q2 2026, against a 1.48% median for 78 TX banks with half to twice its assets, ahead of 32% of them.
What is First State Bank of Uvalde's efficiency ratio?
44.70% in Q2 2026: it spent about 45 cents in noninterest expense for each dollar of revenue. The peer median is 58.36%, and lower is better.
Is First State Bank of Uvalde growing its loans?
Net loans shrank 3.5% over the year to Q2 2026, while deposits shrank 10.4%.
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.