FIRST STATE BANK, THE

LOUISE, TX | Medium | Est. May 7, 1956, midnight | FDIC #17588 | RSSD #888552 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK, THE is amn medium FDIC-insured commercial bank headquartered in LOUISE, TX, established in May 7, 1956, midnight. As of 2025-12-31, the bank reported total assets of $879M and total deposits of $793M. Profitability stands at 2.70% ROA and 30.35% ROE, with a net interest margin of 5.49%. The bank's CET1 capital ratio is 8.72%. Asset quality metrics show a non-performing loan ratio of 1.06% and a Texas Ratio of 7.87%. FDIC Certificate #17588.

Assets

$879M

Deposits

$793M

Loans

$633M

Equity

$78M

Profitability

Return on Assets (ROA) 2.70%
Return on Equity (ROE) 30.35%
Net Interest Margin (NIM) 5.49%
Yield on Assets 6.52%
Cost of Funds 1.05%

Asset Quality

NPL Ratio 1.06%
Net Charge-Off Ratio 0.11%
Texas Ratio 7.87%
NPA Ratio 0.77%
ACL / Loans 1.26%

Capital & Liquidity

CET1 Ratio 8.72%
Tier 1 Capital 8.72%
Total Capital Ratio 9.16%
Leverage Ratio 10.57%
Loan-to-Deposit 79.79%

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