FIRST STATE BANK OF BEDIAS

BEDIAS, TX | Small | Est. Aug. 28, 1907, midnight | FDIC #16895 | RSSD #88352 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK OF BEDIAS is asn small FDIC-insured commercial bank headquartered in BEDIAS, TX, established in Aug. 28, 1907, midnight. As of 2025-12-31, the bank reported total assets of $213M and total deposits of $173M. Profitability stands at 2.25% ROA and 12.62% ROE, with a net interest margin of 4.97%. The bank's CET1 capital ratio is 18.15%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.53% and a Texas Ratio of 1.67%. FDIC Certificate #16895.

Assets

$213M

Deposits

$173M

Loans

$127M

Equity

$39M

Profitability

Return on Assets (ROA) 2.25%
Return on Equity (ROE) 12.62%
Net Interest Margin (NIM) 4.97%
Yield on Assets 6.58%
Cost of Funds 1.81%

Asset Quality

NPL Ratio 0.53%
Net Charge-Off Ratio 0.21%
Texas Ratio 1.67%
NPA Ratio 0.32%
ACL / Loans 1.47%

Capital & Liquidity

CET1 Ratio 18.15%
Tier 1 Capital 18.15%
Total Capital Ratio 19.06%
Leverage Ratio 18.35%
Loan-to-Deposit 73.23%

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