FIRST STATE BANK
FIRST STATE BANK is an FDIC-insured commercial bank headquartered in SHALLOWATER, TX, established in 1960. As of , 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 5.49%. 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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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 16.35% | 0.98% | 0.06% | 0.19% | 5.49% |
| 2025-09-30 | 16.15% | 1.74% | 0.65% | 2.01% | 5.75% |
| 2025-06-30 | 15.57% | 1.58% | 0.84% | 2.81% | 5.42% |
| 2025-03-31 | 16.23% | 1.33% | 0.07% | 0.22% | 5.19% |
| 2024-12-31 | 16.79% | 1.45% | 0.00% | 0.00% | 5.98% |
| 2024-09-30 | 17.97% | 1.89% | 0.80% | 2.50% | 6.23% |
| 2024-06-30 | 16.92% | 3.44% | 1.25% | 3.85% | 7.65% |
| 2024-03-31 | 24.42% | 1.58% | 3.33% | 9.30% | 5.37% |
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Frequently asked about FIRST STATE BANK
What are First State Bank's total assets?
As of the Q4 2025 filing, First State Bank reported total assets of $146.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First State Bank headquartered?
First State Bank is headquartered in SHALLOWATER, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First State Bank founded?
First State Bank was established in 1960, per the FDIC institution directory.
Is First State Bank FDIC-insured?
Yes. First State Bank is an FDIC-insured commercial bank (FDIC Certificate #18301). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First State Bank?
First State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First State Bank's CET1 capital ratio?
First State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 16.35% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First State Bank operate?
First State Bank operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First State Bank's Texas Ratio?
First State Bank's Texas Ratio is 0.19% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.