BanksFIRST STATE BANK

FIRST STATE BANK

STRATFORD, TXSmallEst. April 26, 1948, midnightFDIC #16695RSSD #410560FDIC
Latest · 2025-12-31

FIRST STATE BANK is an FDIC-insured commercial bank headquartered in STRATFORD, TX, established in April 26, 1948, midnight. As of 2025-12-31, the bank reported total assets of $370M and total deposits of $325M. Profitability stands at 2.44% ROA and 21.01% ROE, with a net interest margin of 3.99%. CET1 capital ratio: 11.45%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 3 domestic branches.

Assets
$370M
Deposits
$325M
Loans
$219M
Equity
$43M

Profitability

Return on Assets (ROA)2.44%
Return on Equity (ROE)21.01%
Net Interest Margin3.99%
Yield on Assets5.78%
Cost of Funds1.87%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans0.50%

Capital & Liquidity

CET1 Ratio11.45%
Tier 1 Capital11.45%
Total Capital Ratio12.03%
Leverage Ratio12.98%
Loan-to-Deposit67.31%

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