FIRST STATE BANK OF SAN DIEGO

SAN DIEGO, TX | Micro | Est. Aug. 9, 1954, midnight | FDIC #17350 | RSSD #578862 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK OF SAN DIEGO is amn micro FDIC-insured commercial bank headquartered in SAN DIEGO, TX, established in Aug. 9, 1954, midnight. As of 2025-12-31, the bank reported total assets of $74M and total deposits of $67M. Profitability stands at 0.80% ROA and 8.82% ROE, with a net interest margin of 4.29%. The bank's CET1 capital ratio is 25.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.57% and a Texas Ratio of 4.01%. FDIC Certificate #17350.

Assets

$74M

Deposits

$67M

Loans

$17M

Equity

$7M

Profitability

Return on Assets (ROA) 0.80%
Return on Equity (ROE) 8.82%
Net Interest Margin (NIM) 4.29%
Yield on Assets 5.49%
Cost of Funds 1.82%

Asset Quality

NPL Ratio 1.57%
Net Charge-Off Ratio 0.06%
Texas Ratio 4.01%
NPA Ratio 0.37%
ACL / Loans 1.62%

Capital & Liquidity

CET1 Ratio 25.46%
Tier 1 Capital 25.46%
Total Capital Ratio 26.59%
Leverage Ratio 9.14%
Loan-to-Deposit 25.97%

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