0.90%
−10.0%y/y
Peer standing34th percentile
FDIC
NETINC + ROAFS
First State Bank
Socorro, New MexicoFDIC Cert #16600
STATEEstablished 19474 branches
Holding company: BBS CORPRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
6.84%
−10.7%y/y
Peer standing25th percentile
FDIC
NETINC + ROE1.10%
−11.3%y/y
Peer standing35th percentile
FDIC
PTAXNETINC + ASSET3.22%
−8.4%y/y
Peer standing19th percentile
FDIC
NIM + NIMY3.56%
−4.8%y/y
Peer standing1st percentile
FDIC
INTINCY0.55%
+62.3%y/y
Peer standing99th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
65.00%
+1.3%y/y
Peer standing48th percentile
FDIC
NONIX + NIM + NONII + EEFFR2.08%
−8.0%y/y
Peer standing80th percentile
FDIC
NONIX + ASSET7.74%
−2.7%y/y
Percentile by value44th percentileby value
FDIC
NONII + NIM+2.13%
+165.6%y/y
Percentile by value33rd percentileby value
FDIC
ASSET+1.35%
+126.5%y/y
Percentile by value33rd percentileby value
FDIC
DEP+9.48%
+269.4%y/y
Percentile by value72nd percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.90%34th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE6.84%25th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY3.22%19th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR65.00%48th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP+1.35%33rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET+9.48%72nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.03%79th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ13.51%75th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.55%99th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC2%4th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.90%7th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 1.05%Median 1.95%90th 2.96%Observations 29
ROE
FDIC
NETINC + ROE6.84%7th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 8.59%Median 22.59%90th 29.01%Observations 29
NIM
FDIC
NIM + NIMY3.22%4th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.44%Median 4.27%90th 5.29%Observations 29
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR65.00%18th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 41.29%Median 53.44%90th 77.91%Observations 29
Deposits YoY
FDIC
DEP+1.35%43rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.74%Median +2.16%90th +11.06%Observations 29
Loans YoY
FDIC
LNLSNET+9.48%67th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.82%Median +5.78%90th +16.27%Observations 28
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.03%85th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.61%90th 2.47%Observations 28
Leverage
FDIC
RBC1AAJ13.51%82nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.53%Median 10.83%90th 14.22%Observations 29
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.55%96th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 0.86%Median 1.62%90th 2.77%Observations 29
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC2%5th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 15%Median 126%90th 255%Observations 20
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.90%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 1.10%Median 1.82%90th 2.35%Observations 9
ROE
FDIC
NETINC + ROE6.84%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 10.91%Median 14.20%90th 23.79%Observations 9
NIM
FDIC
NIM + NIMY3.22%0th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.82%Median 4.76%90th 6.10%Observations 9
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR65.00%13th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.10%Median 51.68%90th 68.26%Observations 9
Deposits YoY
FDIC
DEP+1.35%38th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −8.67%Median +2.16%90th +9.84%Observations 9
Loans YoY
FDIC
LNLSNET+9.48%88th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.21%Median +0.70%90th +9.83%Observations 9
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.03%88th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.23%90th 2.58%Observations 9
Leverage
FDIC
RBC1AAJ13.51%63rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.64%Median 13.05%90th 14.22%Observations 9
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.55%88th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 0.45%Median 1.62%90th 1.97%Observations 9
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC2%0th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 19%Median 97%90th 259%Observations 6
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.