First State Bank (Graham, TX)
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Data as of · sourced from FFIEC call reports. How we update
First State Bank is an FDIC-insured commercial bank headquartered in Graham, TX, established in 1983 (FDIC certificate 24498), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $308.8M, up 8.5% from Q2 2025, the 209th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 17.14% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 24498
- Headquarters
- Graham, TX
- Established
- 1983
- Total assets, Q2 2026
- $308.8M
- Assets vs Q2 2025
- +8.5%
- CET1 ratio, Q2 2026
- 17.14%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 111312894
- Holding company
- WOODSON BANCSHARES, INC.
- Asset rank in state
- 209th of 346 in Texas
First State Bank, based in Graham, Texas, reported $309 million in assets at June 30, 2026, up 8.5% from a year earlier. It holds commercial real estate loans equal to only 21% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Net income for the quarter rose 25% from a year earlier, to $1.2 million. Unrealized losses on its securities total $5.5 million, equal to 18% of Tier 1 capital, against 22% a year earlier.
As of June 30, 2026, First State Bank reported a CET1 capital ratio of 17.14%, a return on assets of 1.62%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, First State Bank is the 209th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.0% to $308.8M, loans fell 1.6% and deposits rose 2.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 23.5% of total loans, followed by farmland and other real estate loans at 23.5%. The FDIC Summary of Deposits lists 7 offices for it, in 6 cities in TX; its Graham 2 offices book 59% of its branch deposits. Judged on its Q2 2026 call report, First State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1526 4th St, Graham, TX 76450
- County
- Young
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 26, 1983
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $275.9M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $0
- Average total assets
- $309.0M
- Average total loans
- $167.7M
- Average interest-bearing deposits
- $179.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 26, 1983
- FDIC Cert
- 24498
- Fed RSSD
- 216164
- SEC CIK
- 1893339 → filed by WOODSON BANCSHARES, INC.
- Website
- www.fsbgraham.bank →
- Parent Holding Company
- WOODSON BANCSHARES, INC. (RSSD 1133044)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First State Bank's total assets ran between $248.7M (Q3 2023) and $308.8M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$308.8M total assets against $284.6M; $283.2M total liabilities against $261.7M.
$166.8M net loans and leases against $149.1M; $275.9M total deposits against $253.8M.
$62.3M securities against $56.2M; $66.9M cash and balances due against $66.8M.
$4.0M total interest income against $3.8M; $1.2M total interest expense against $1.2M.
$2.8M net interest income against $2.6M.
$391K total noninterest income against $376K; $1.9M total noninterest expense against $1.9M.
$33K provision for credit losses against $66K.
$1.2M net income against $1.0M.
1.62% return on assets against 1.38%; 3.95% net interest margin against 3.93%.
17.14% CET1 capital ratio against 17.34%; 10.08% tier 1 leverage ratio against 10.19%.
Inside the full First State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst State Bank rankings
Its closest position to the top of a national ranking is 572 of 2,134, for CET1 ratio; its furthest is 3,466 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.13% (Q1 2025) to 1.67% (Q4 2025) and its net interest margin ran from 3.76% (Q1 2026) to 3.95% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.14% | 1.62% | 0.00% | 0.00% | 3.95% |
| Q1 2026 | 17.71% | 1.41% | 0.00% | 0.03% | 3.76% |
| Q4 2025 | 16.78% | 1.67% | 0.00% | 0.00% | 3.95% |
| Q3 2025 | 16.46% | 1.29% | 0.15% | 0.95% | 3.83% |
| Q2 2025 | 17.34% | 1.38% | 0.17% | 1.05% | 3.93% |
| Q1 2025 | 17.02% | 1.13% | 0.06% | 0.40% | 3.77% |
| Q4 2024 | 17.90% | 1.54% | 0.56% | 3.70% | 3.79% |
| Q3 2024 | 19.25% | 1.45% | 0.50% | 2.96% | 3.80% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First State Bank (main office) | Graham , TX | 76450 | $163.1M |
| Jacksboro Branch | Jacksboro , TX | 76458 | $37.0M |
| Olney Branch | Olney , TX | 76374 | $27.7M |
| Throckmorton Branch | Throckmorton , TX | 76483 | $23.9M |
| Highway 183 Branch | Woodson , TX | 76491 | $14.3M |
| First State Bank (main office) | Archer City , TX | 76351 | $9.9M |
| Graham Branch | Graham , TX | 76450 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 251 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $184K approved, $92K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First State Bank
What are First State Bank's total assets?
As of the Q2 2026 filing, First State Bank reported total assets of $308.8 million in its FFIEC call report.
Where is First State Bank headquartered?
It is headquartered in Graham, TX, United States.
When was First State Bank founded?
It was established in 1983, per the FDIC institution directory.
Is First State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24498). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First State Bank?
First State Bank's primary federal regulator is the FDIC.
What is First State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.14% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First State Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First State Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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