FIRST STATE BANK, THE

COLUMBUS, TX | Small | Est. March 1, 1913, midnight | FDIC #12315 | RSSD #801654 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK, THE is asn small FDIC-insured commercial bank headquartered in COLUMBUS, TX, established in March 1, 1913, midnight. As of 2025-12-31, the bank reported total assets of $153M and total deposits of $133M. Profitability stands at 0.89% ROA and 6.80% ROE, with a net interest margin of 3.35%. The bank's CET1 capital ratio is 12.93%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.12% and a Texas Ratio of 0.27%. FDIC Certificate #12315.

Assets

$153M

Deposits

$133M

Loans

$47M

Equity

$20M

Profitability

Return on Assets (ROA) 0.89%
Return on Equity (ROE) 6.80%
Net Interest Margin (NIM) 3.35%
Yield on Assets 4.34%
Cost of Funds 1.05%

Asset Quality

NPL Ratio 0.12%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.27%
NPA Ratio 0.04%
ACL / Loans 0.77%

Capital & Liquidity

CET1 Ratio 12.93%
Tier 1 Capital 12.93%
Total Capital Ratio 13.57%
Leverage Ratio 16.76%
Loan-to-Deposit 35.21%

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