$215M
+6.4%y/y
Percentile by value66th percentileby value
FDIC
ASSETFS
First State Bank of Odem
Odem, TexasFDIC Cert #16334
STATEEstablished 19455 branches
Holding company: MUSTANG HOLDINGS GROUP LLCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFirst State Bank of Odem reported $215M in total assets. Deposits grew 10.14% over the prior year.
Return on assets was 2.82%, compared with an asset-peer median of 1.18%. The leverage ratio was 13.84%.
- Why is Efficiency Ratio below asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
- Why is Net Loan Growth, Year over Year below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$184M
+10.1%y/y
Percentile by value66th percentileby value
FDIC
DEP$96.6M
−2.8%y/y
Percentile by value39th percentileby value
FDIC
LNLSNET2.82%
+62 bpsy/y
Peer standing97th percentile
FDIC
NETINC + ROA46.56%
−492 bpsy/y
Peer standing91st percentile
FDIC
NONIX + NIM + NONII + EEFFR13.84%
−282 bpsy/y
Peer standing77th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,247 banks from $100 million to $300 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $168M | $148M |
| Q3 2021 | $180M | $159M |
| Q4 2021 | $180M | $160M |
| Q1 2022 | $180M | $159M |
| Q2 2022 | $183M | $162M |
| Q3 2022 | $202M | $180M |
| Q4 2022 | $194M | $171M |
| Q1 2023 | $188M | $164M |
| Q2 2023 | $183M | $158M |
| Q3 2023 | $198M | $172M |
| Q4 2023 | $189M | $162M |
| Q1 2024 | $185M | $156M |
| Q2 2024 | $195M | $165M |
| Q3 2024 | $208M | $176M |
| Q4 2024 | $201M | $168M |
| Q1 2025 | $202M | $167M |
| Q2 2025 | $204M | $168M |
| Q3 2025 | $204M | $175M |
| Q4 2025 | $201M | $172M |
| Q1 2026 | $215M | $184M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $14.2M |
| Investor CRE | $11.8M |
| Multifamily | $520K |
| Construction | $27.3M |
| 1–4 family | $10M |
| C&I | $26.9M |
| Agriculture | $6.2M |
| Other | $2.57M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.82%97th 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 + ROE20.13%89th 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 + NIMY5.12%93rd 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 + EEFFR46.56%91st 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+10.14%82nd 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−2.83%13th 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 + LNLSGR0.00%100th 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
RBC1AAJ13.84%77th 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 + DEPIDOM2.42%43rd 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 + RBCToggle 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 + ROA2.82%97th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.38%90th 2.31%Observations 352
ROE
FDIC
NETINC + ROE20.13%86th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.93%Median 12.94%90th 22.26%Observations 352
NIM
FDIC
NIM + NIMY5.12%92nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.88%Median 4.04%90th 5.04%Observations 352
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR46.56%85th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.54%Median 62.04%90th 86.78%Observations 352
Deposits YoY
FDIC
DEP+10.14%71st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.62%Median +5.10%90th +21.38%Observations 349
Loans YoY
FDIC
LNLSNET−2.83%17th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.14%Median +4.54%90th +21.86%Observations 348
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.35%90th 2.30%Observations 348
Leverage
FDIC
RBC1AAJ13.84%80th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.37%Median 11.38%90th 15.81%Observations 352
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 + DEPIDOM2.42%48th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.45%Median 2.40%90th 3.46%Observations 349
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 166%90th 296%Observations 204
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 + ROA2.82%98th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.41%Median 1.41%90th 2.39%Observations 96
ROE
FDIC
NETINC + ROE20.13%81st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.59%Median 14.09%90th 23.70%Observations 96
NIM
FDIC
NIM + NIMY5.12%89th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.03%Median 4.22%90th 5.14%Observations 96
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR46.56%88th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.21%Median 63.01%90th 83.09%Observations 96
Deposits YoY
FDIC
DEP+10.14%63rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.22%Median +6.06%90th +23.38%Observations 96
Loans YoY
FDIC
LNLSNET−2.83%18th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.80%Median +3.17%90th +24.92%Observations 96
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.13%90th 1.89%Observations 96
Leverage
FDIC
RBC1AAJ13.84%78th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.37%Median 11.48%90th 16.41%Observations 96
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 + DEPIDOM2.42%44th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.45%Median 2.33%90th 3.20%Observations 96
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 26%Median 84%90th 201%Observations 41
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.
Branches & markets
Physical footprint
- Domestic offices
- 5 branches
- Headquarters
- Odem, TX
FDIC
OFFDOMOpen the Texas dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data