FIRST STATE BANK is an 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%. CET1 capital ratio: 12.57%, well above regulatory minimums. NPL ratio: 0.24% · Texas Ratio: 1.46%. Operates 2 domestic branches.
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