FIRST STATE BANK is an 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%. CET1 capital ratio: 16.35%, well above regulatory minimums. NPL ratio: 0.06% · Texas Ratio: 0.19%. Operates 4 domestic branches.
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