FIRST STATE BANK OF BROWNSBORO

BROWNSBORO, TX | Small | Est. Feb. 17, 1917, midnight | FDIC #11181 | RSSD #229454 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK OF BROWNSBORO is asn small FDIC-insured commercial bank headquartered in BROWNSBORO, TX, established in Feb. 17, 1917, midnight. As of 2025-12-31, the bank reported total assets of $138M and total deposits of $129M. Profitability stands at 0.16% ROA and 2.72% ROE, with a net interest margin of 3.88%. The bank's CET1 capital ratio is 5.90%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 0.18% and a Texas Ratio of 1.30%. FDIC Certificate #11181.

Assets

$138M

Deposits

$129M

Loans

$64M

Equity

$8M

Profitability

Return on Assets (ROA) 0.16%
Return on Equity (ROE) 2.72%
Net Interest Margin (NIM) 3.88%
Yield on Assets 5.35%
Cost of Funds 1.44%

Asset Quality

NPL Ratio 0.18%
Net Charge-Off Ratio 0.07%
Texas Ratio 1.30%
NPA Ratio 0.08%
ACL / Loans 1.01%

Capital & Liquidity

CET1 Ratio 5.90%
Tier 1 Capital 5.90%
Total Capital Ratio 6.19%
Leverage Ratio 10.57%
Loan-to-Deposit 50.16%

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