BanksFIRST STATE BANK

FIRST STATE BANK

SHALLOWATER, TXSmallEst. Oct. 8, 1960, midnightFDIC #18301RSSD #524766FDIC
Latest · 2025-12-31

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.

Assets
$147M
Deposits
$119M
Loans
$91M
Equity
$26M

Profitability

Return on Assets (ROA)0.98%
Return on Equity (ROE)5.54%
Net Interest Margin5.00%
Yield on Assets7.13%
Cost of Funds2.41%

Asset Quality

NPL Ratio0.06%
Net Charge-Off Ratio0.05%
Texas Ratio0.19%
NPA Ratio0.04%
ACL / Loans1.65%

Capital & Liquidity

CET1 Ratio16.35%
Tier 1 Capital16.35%
Total Capital Ratio17.17%
Leverage Ratio18.15%
Loan-to-Deposit76.64%

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