FIRST STATE BANK, THE

ABERNATHY, TX | Small | Est. Jan. 1, 1909, midnight | FDIC #11175 | RSSD #305059 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK, THE is asn small FDIC-insured commercial bank headquartered in ABERNATHY, TX, established in Jan. 1, 1909, midnight. As of 2025-12-31, the bank reported total assets of $128M and total deposits of $95M. Profitability stands at 2.68% ROA and 21.13% ROE, with a net interest margin of 6.77%. The bank's CET1 capital ratio is 16.02%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.25% and a Texas Ratio of 6.36%. FDIC Certificate #11175.

Assets

$128M

Deposits

$95M

Loans

$87M

Equity

$16M

Profitability

Return on Assets (ROA) 2.68%
Return on Equity (ROE) 21.13%
Net Interest Margin (NIM) 6.77%
Yield on Assets 8.57%
Cost of Funds 1.91%

Asset Quality

NPL Ratio 1.25%
Net Charge-Off Ratio 0.25%
Texas Ratio 6.36%
NPA Ratio 0.85%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 16.02%
Tier 1 Capital 16.02%
Total Capital Ratio 16.93%
Leverage Ratio 12.95%
Loan-to-Deposit 90.97%

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