FIRST STATE BANK

PAINT ROCK, TX | Small | Est. Jan. 1, 1910, midnight | FDIC #17775 | RSSD #719964 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK is asn small FDIC-insured commercial bank headquartered in PAINT ROCK, TX, established in Jan. 1, 1910, midnight. As of 2025-12-31, the bank reported total assets of $174M and total deposits of $148M. Profitability stands at 2.04% ROA and 14.87% ROE, with a net interest margin of 4.09%. The bank's CET1 capital ratio is 13.66%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.36% and a Texas Ratio of 3.26%. FDIC Certificate #17775.

Assets

$174M

Deposits

$148M

Loans

$60M

Equity

$24M

Profitability

Return on Assets (ROA) 2.04%
Return on Equity (ROE) 14.87%
Net Interest Margin (NIM) 4.09%
Yield on Assets 5.31%
Cost of Funds 1.32%

Asset Quality

NPL Ratio 1.36%
Net Charge-Off Ratio 0.03%
Texas Ratio 3.26%
NPA Ratio 0.47%
ACL / Loans 2.09%

Capital & Liquidity

CET1 Ratio 13.66%
Tier 1 Capital 13.66%
Total Capital Ratio 14.34%
Leverage Ratio 14.29%
Loan-to-Deposit 40.51%

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