| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +4.4% | -0.2 pts |
| Deposit growth (YoY) | +7.7% | +4.0% | +3.7 pts |
| Loan growth (YoY) | +4.7% | +5.6% | -0.8 pts |
| ROA | 2.40% | 1.24% | +1.2 pts |
| ROE | 17.0% | 11.9% | +5.1 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $212.6M | $181.0M | $103.1M | $30.4M | $2.5M | 2.40% | 5.26% | 0.00% |
| Q1 2026 | $215.1M | $184.4M | $96.6M | $29.7M | $1.5M | 2.82% | 5.12% | 0.00% |
| Q4 2025 | $201.3M | $171.6M | $92.3M | $28.8M | $4.4M | 2.18% | 5.52% | 0.00% |
| Q3 2025 | $204.5M | $175.2M | $92.8M | $27.9M | $3.3M | 2.15% | 5.55% | 0.03% |
| Q2 2025 | $204.2M | $168.1M | $98.5M | $35.0M | $2.5M | 2.43% | 5.55% | 0.00% |
| Q1 2025 | $202.2M | $167.5M | $99.4M | $33.6M | $1.1M | 2.20% | 5.47% | 0.00% |
| Q4 2024 | $201.0M | $167.5M | $94.7M | $32.4M | $5.3M | 2.70% | 5.95% | 0.00% |
| Q3 2024 | $208.4M | $176.1M | $93.1M | $31.2M | $3.8M | 2.63% | 5.96% | 0.23% |
Loan mix (Q2 2026): real estate $72.9M · commercial $28.1M · consumer $2.5M · securities $73.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First State Bank of Odem | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.40% | 1.24% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 17.0% | 11.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.26% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.7% | 62.9% | 17th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | First State Bank of Odem | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | First State Bank of Odem | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | First State Bank of Odem | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | First State Bank of Odem | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | First State Bank of Odem | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Aug 8, 2025 | Target | Mustang Holdings Group, LLC | Other | Completed | Federal Reserve |
4 branches in 2 counties across 1 state (+0 vs 2025) · $181.0M branch deposits. Biggest market: San Patricio, TX, ranked 7th with 5.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| San Patricio, TX | 2 | $98.1M | 5.08% | 7th |
| Nueces, TX | 2 | $82.9M | 0.80% | 20th |
Texas: 424th with 0.01% · Corpus Christi metro: 15th, 1.40% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Technology spend in line with peers (21 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).