FIRST STATE BANK

FIRST STATE BANK is asn small FDIC-insured commercial bank headquartered in SPEARMAN, TX, established in Jan. 1, 1917, midnight. As of 2025-12-31, the bank reported total assets of $180M and total deposits of $149M. Profitability stands at 1.69% ROA and 13.84% ROE, with a net interest margin of 4.62%. The bank's CET1 capital ratio is 12.57%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.24% and a Texas Ratio of 1.46%. FDIC Certificate #1218.