FIRST STATE BANK

CLUTE, TX | Small | Est. Oct. 16, 1958, midnight | FDIC #17950 | RSSD #796152 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK is asn small FDIC-insured commercial bank headquartered in CLUTE, TX, established in Oct. 16, 1958, midnight. As of 2025-12-31, the bank reported total assets of $459M and total deposits of $414M. Profitability stands at 1.98% ROA and 21.59% ROE, with a net interest margin of 4.92%. The bank's CET1 capital ratio is 13.00%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.17% and a Texas Ratio of 12.60%. FDIC Certificate #17950.

Assets

$459M

Deposits

$414M

Loans

$337M

Equity

$41M

Profitability

Return on Assets (ROA) 1.98%
Return on Equity (ROE) 21.59%
Net Interest Margin (NIM) 4.92%
Yield on Assets 7.01%
Cost of Funds 2.14%

Asset Quality

NPL Ratio 1.17%
Net Charge-Off Ratio 0.11%
Texas Ratio 12.60%
NPA Ratio 1.26%
ACL / Loans 1.36%

Capital & Liquidity

CET1 Ratio 13.00%
Tier 1 Capital 13.00%
Total Capital Ratio 14.25%
Leverage Ratio 9.60%
Loan-to-Deposit 81.56%

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