FIRST STATE BANK

FIRST STATE BANK is amn medium FDIC-insured commercial bank headquartered in ATHENS, TX, established in May 1, 1935, midnight. As of 2025-12-31, the bank reported total assets of $763M and total deposits of $674M. Profitability stands at 1.73% ROA and 16.28% ROE, with a net interest margin of 4.74%. The bank's CET1 capital ratio is 10.61%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.89% and a Texas Ratio of 5.03%. FDIC Certificate #15206.