FIRST STATE BANK OF TEXAS

ORANGE, TX | Small | Est. Aug. 12, 1914, midnight | FDIC #11922 | RSSD #190563 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK OF TEXAS is asn small FDIC-insured commercial bank headquartered in ORANGE, TX, established in Aug. 12, 1914, midnight. As of 2025-12-31, the bank reported total assets of $369M and total deposits of $331M. Profitability stands at 0.20% ROA and 2.05% ROE, with a net interest margin of 5.31%. The bank's CET1 capital ratio is 8.21%. Asset quality metrics show a non-performing loan ratio of 0.83% and a Texas Ratio of 5.44%. FDIC Certificate #11922.

Assets

$369M

Deposits

$331M

Loans

$262M

Equity

$36M

Profitability

Return on Assets (ROA) 0.20%
Return on Equity (ROE) 2.05%
Net Interest Margin (NIM) 5.31%
Yield on Assets 7.32%
Cost of Funds 2.07%

Asset Quality

NPL Ratio 0.83%
Net Charge-Off Ratio 0.26%
Texas Ratio 5.44%
NPA Ratio 0.59%
ACL / Loans 1.39%

Capital & Liquidity

CET1 Ratio 8.21%
Tier 1 Capital 8.21%
Total Capital Ratio 8.62%
Leverage Ratio 9.11%
Loan-to-Deposit 79.16%

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