FIRST BANK OF CELESTE, THE

CELESTE, TX | Micro | Est. Jan. 1, 1900, midnight | FDIC #3133 | RSSD #871956 | FDIC
Latest Report: 2025-12-31

FIRST BANK OF CELESTE, THE is amn micro FDIC-insured commercial bank headquartered in CELESTE, TX, established in Jan. 1, 1900, midnight. As of 2025-12-31, the bank reported total assets of $83M and total deposits of $76M. Profitability stands at 1.30% ROA and 16.27% ROE, with a net interest margin of 4.01%. The bank's CET1 capital ratio is 20.38%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #3133.

Assets

$83M

Deposits

$76M

Loans

$28M

Equity

$7M

Profitability

Return on Assets (ROA) 1.30%
Return on Equity (ROE) 16.27%
Net Interest Margin (NIM) 4.01%
Yield on Assets 4.97%
Cost of Funds 1.68%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.79%

Capital & Liquidity

CET1 Ratio 20.38%
Tier 1 Capital 20.38%
Total Capital Ratio 21.63%
Leverage Ratio 8.05%
Loan-to-Deposit 36.83%

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