BanksFIRST STATE BANK

FIRST STATE BANK

JUNCTION, TXMicroEst. Nov. 8, 1947, midnightFDIC #16643RSSD #603755FED
Latest · 2025-12-31

FIRST STATE BANK is an 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%. CET1 capital ratio: 9.67%. NPL ratio: 0.50% · Texas Ratio: 1.61%. Operates 1 domestic branch.

Assets
$61M
Deposits
$55M
Loans
$21M
Equity
$6M

Profitability

Return on Assets (ROA)1.86%
Return on Equity (ROE)18.74%
Net Interest Margin5.15%
Yield on Assets6.12%
Cost of Funds0.99%

Asset Quality

NPL Ratio0.50%
Net Charge-Off Ratio0.51%
Texas Ratio1.61%
NPA Ratio0.17%
ACL / Loans2.37%

Capital & Liquidity

CET1 Ratio9.67%
Tier 1 Capital9.67%
Total Capital Ratio10.15%
Leverage Ratio9.98%
Loan-to-Deposit37.76%

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