BanksFIRST STATE BANK, THE

FIRST STATE BANK, THE

ABERNATHY, TXSmallEst. Jan. 1, 1909, midnightFDIC #11175RSSD #305059FDIC
Latest · 2025-12-31

FIRST STATE BANK, THE is an 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%. CET1 capital ratio: 16.02%, well above regulatory minimums. NPL ratio: 1.25% · Texas Ratio: 6.36%. Operates 3 domestic branches.

Assets
$128M
Deposits
$95M
Loans
$87M
Equity
$16M

Profitability

Return on Assets (ROA)2.68%
Return on Equity (ROE)21.13%
Net Interest Margin6.77%
Yield on Assets8.57%
Cost of Funds1.91%

Asset Quality

NPL Ratio1.25%
Net Charge-Off Ratio0.25%
Texas Ratio6.36%
NPA Ratio0.85%
ACL / Loans1.04%

Capital & Liquidity

CET1 Ratio16.02%
Tier 1 Capital16.02%
Total Capital Ratio16.93%
Leverage Ratio12.95%
Loan-to-Deposit90.97%

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