FIRST STATE BANK

FIRST STATE BANK is an FDIC-insured commercial bank headquartered in GAINESVILLE, TX, established in Aug. 16, 1905, midnight. As of 2025-12-31, the bank reported total assets of $1.8B and total deposits of $1.6B. Profitability stands at 0.85% ROA and 10.33% ROE, with a net interest margin of 4.07%. CET1 capital ratio: 13.39%, well above regulatory minimums. NPL ratio: 0.89% · Texas Ratio: 5.31%. Operates 14 domestic branches.