First State Bank of Bedias
Bedias, TX·RSSD 88352·FDIC 16895·bank:88352·CBLR opted in
- #245 of 352Total assets in Texas
- 2offices
- 23employees
- Top 5%Return on assets in the U.S.
- Top 10%Efficiency vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
No material changes against peers this quarter
0 of 26 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Where First State Bank of Bedias differs most from peers
Return on assets among the highest of similar banksContext: Earnings2.64%peers 1.26%+138 bps
First State Bank of Bedias's annualized return on assets was 2.64%, compared with a median of 1.26% among 1223 similar banks: higher than 95% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 2.64% | 1.26% | +138 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. First State Bank of Bedias itself is left out of every peer median and percentile. How signals work
Leverage capital ratio among the highest of similar banksContext: Capital17.94%peers 11.33%+6.6 pp
First State Bank of Bedias's leverage ratio was 17.94%, compared with a median of 11.33% among 1223 similar banks: higher than 93% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 17.94% | 11.33% | +6.6 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. First State Bank of Bedias itself is left out of every peer median and percentile. How signals work
Problem loans rising while the peer median holds steadyContext: Asset quality2.01%peers 0.38%+163 bps
First State Bank of Bedias's noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans rose 121 bps over the past year to 2.01%. Among 1206 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans | ||
| 2.01% | 0.38% | +163 bps |
| 12-month change | ||
| +121 bps | 0 bps | +121 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. First State Bank of Bedias itself is left out of every peer median and percentile. How signals work
Key facts
- First State Bank of Bedias is a bank headquartered in Bedias, Texas. It reported $225 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $185 million, up 7.5% from a year earlier, and loans totaled $125 million, down 1.2%.
- Its net interest margin was 4.69% and its annualized return on assets was 2.64% for the quarter.
- Its cost of all deposits was 1.68%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With First State Bank of Bedias's own data, FORFI would look at: Which relationships and products drive the change in earnings, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- First State Bank of Bedias · Bank
- Federal Reserve RSSD
- 88352
- FDIC certificate
- 16895
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. First State Bank of Bedias itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $1.47M | — | |
| $3.21M | — | |
| $766K | — | |
| $2.44M | — | |
| $262K | — | |
| $1.24M | — | |
| $0 | — | |
| $0 | — | |
| 2.64% | 2.63%ROAQ · Quarter | |
| 4.69% | 4.68%NIMYQ · Quarter | |
| 45.69% | 45.69%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.