FIRST STATE BANK

SOCORRO, NM | Small | Est. July 1, 1947, midnight | FDIC #16600 | RSSD #497655 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK is asn small FDIC-insured commercial bank headquartered in SOCORRO, NM, established in July 1, 1947, midnight. As of 2025-12-31, the bank reported total assets of $209M and total deposits of $182M. Profitability stands at 1.12% ROA and 8.40% ROE, with a net interest margin of 3.22%. The bank's CET1 capital ratio is 57.19%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.04%. FDIC Certificate #16600.

Assets

$209M

Deposits

$182M

Loans

$11M

Equity

$26M

Profitability

Return on Assets (ROA) 1.12%
Return on Equity (ROE) 8.40%
Net Interest Margin (NIM) 3.22%
Yield on Assets 3.56%
Cost of Funds 0.36%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio 0.24%
Texas Ratio 0.04%
NPA Ratio 0.01%
ACL / Loans 10.54%

Capital & Liquidity

CET1 Ratio 57.19%
Tier 1 Capital 57.19%
Total Capital Ratio 58.46%
Leverage Ratio 13.40%
Loan-to-Deposit 6.26%

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