FIRST STATE BANK

JUNCTION, TX | Micro | Est. Nov. 8, 1947, midnight | FDIC #16643 | RSSD #603755 | FED
Latest Report: 2025-12-31

FIRST STATE BANK is amn micro FDIC-insured commercial bank headquartered in JUNCTION, TX, established in Nov. 8, 1947, midnight. As of 2025-12-31, the bank reported total assets of $61M and total deposits of $55M. Profitability stands at 1.86% ROA and 18.74% ROE, with a net interest margin of 5.15%. The bank's CET1 capital ratio is 9.67%. Asset quality metrics show a non-performing loan ratio of 0.50% and a Texas Ratio of 1.61%. FDIC Certificate #16643.

Assets

$61M

Deposits

$55M

Loans

$21M

Equity

$6M

Profitability

Return on Assets (ROA) 1.86%
Return on Equity (ROE) 18.74%
Net Interest Margin (NIM) 5.15%
Yield on Assets 6.12%
Cost of Funds 1.40%

Asset Quality

NPL Ratio 0.50%
Net Charge-Off Ratio 0.51%
Texas Ratio 1.61%
NPA Ratio 0.17%
ACL / Loans 2.37%

Capital & Liquidity

CET1 Ratio 9.67%
Tier 1 Capital 9.67%
Total Capital Ratio 10.15%
Leverage Ratio 9.98%
Loan-to-Deposit 37.76%

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