FIRST STATE BANK

SHALLOWATER, TX | Small | Est. Oct. 8, 1960, midnight | FDIC #18301 | RSSD #524766 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK is asn small FDIC-insured commercial bank headquartered in SHALLOWATER, TX, established in Oct. 8, 1960, midnight. As of 2025-12-31, the bank reported total assets of $147M and total deposits of $119M. Profitability stands at 0.98% ROA and 5.54% ROE, with a net interest margin of 5.00%. The bank's CET1 capital ratio is 14.78%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.06% and a Texas Ratio of 0.19%. FDIC Certificate #18301.

Assets

$147M

Deposits

$119M

Loans

$91M

Equity

$26M

Profitability

Return on Assets (ROA) 0.98%
Return on Equity (ROE) 5.54%
Net Interest Margin (NIM) 5.00%
Yield on Assets 7.13%
Cost of Funds 2.41%

Asset Quality

NPL Ratio 0.06%
Net Charge-Off Ratio 0.05%
Texas Ratio 0.19%
NPA Ratio 0.04%
ACL / Loans 1.65%

Capital & Liquidity

CET1 Ratio 14.78%
Tier 1 Capital 14.78%
Total Capital Ratio 15.52%
Leverage Ratio 18.15%
Loan-to-Deposit 76.64%

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