First State Bank (Athens, 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 Athens, TX, established in 1935 (FDIC certificate 15206), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $761.7M, up 6.2% from Q2 2025, the 117th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.44% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15206
- Headquarters
- Athens, TX
- Established
- 1935
- Total assets, Q2 2026
- $761.7M
- Assets vs Q2 2025
- +6.2%
- Tier 1 leverage ratio, Q2 2026
- 11.44%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 111921777
- Holding company
- ATHENS, TX BANCSHARES, INC.
- Asset rank in state
- 117th of 346 in Texas
Problem loans are rising at First State Bank. Its balance sheet stood at $762 million at June 30, 2026, up 6.2% from a year earlier; it is based in Athens, Texas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.80% of loans from 0.32% a year earlier. It shrank its loan book 3.2% over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also pays an average of 1.18% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $3.3 million, 30% above the same quarter a year earlier. Over the same year, loans shrank 3.2% and deposits grew 5.5%.
As of June 30, 2026, First State Bank reported a return on assets of 1.71%, a nonperforming-loan ratio of 0.80% and a Texas ratio of 4.27%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First State Bank is the 117th largest of the 346 banks headquartered in Texas. From Q1 2026 to Q2 2026, its total assets fell 2.2% to $761.7M, loans rose 0.2% and deposits fell 2.6%. 1-4 family residential loans made up 47.1% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 13.7%. The FDIC Summary of Deposits lists 8 offices for it, in 6 cities in TX; its Athens 3 offices book 62% of its branch deposits. By the capital ratios in its Q2 2026 call report, First State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 130 E Corsicana St, Athens, TX 75751
- County
- Henderson
- Metro Area
- Athens, TX
- 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
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- May 1, 1935
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 126
- Domestic deposits
- $669.5M
- Allowance for credit losses
- $6.3M
- Net charge-offs (YTD)
- $82K
- Average total assets
- $775.0M
- Average total loans
- $478.5M
- Average interest-bearing deposits
- $419.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 28, 1935
- FDIC Cert
- 15206
- Fed RSSD
- 264455
- Website
- www.bankfsb.com →
- Parent Holding Company
- ATHENS, TX BANCSHARES, INC. (RSSD 4500281)
- Ultimate Parent
- JANE AUSTIN CHAPMAN MANAGEMENT COMPANY, L.C. (RSSD 6000749)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, First State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First State Bank's total assets ran between $698.7M (Q3 2023) and $778.6M (Q1 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
$761.7M total assets against $717.0M; $677.3M total liabilities against $642.4M.
$473.1M net loans and leases against $488.9M; $669.5M total deposits against $634.8M.
$219.3M securities against $149.6M; $39.8M cash and balances due against $50.4M.
$10.5M total interest income against $9.2M; $2.0M total interest expense against $2.0M.
$8.4M net interest income against $7.2M.
$1.3M total noninterest income against $1.2M; $5.6M total noninterest expense against $5.1M.
$0 provision for credit losses against $89K.
$3.3M net income against $2.5M.
1.71% return on assets against 1.41%; 4.53% net interest margin against 4.16%.
11.44% tier 1 leverage ratio against 11.07%.
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 894 of 3,611, for ROA; its furthest is 1,499 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.15% (Q3 2024) to 1.75% (Q4 2025) and its net interest margin ran from 3.59% (Q3 2024) to 4.60% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.44% | 1.71% | 0.80% | 4.27% | 4.53% |
| Q1 2026 | 11.20% | 1.55% | 0.94% | 5.07% | 4.30% |
| Q4 2025 | 11.37% | 1.75% | 0.89% | 5.03% | 4.60% |
| Q3 2025 | 11.30% | 1.57% | 0.95% | 5.62% | 4.28% |
| Q2 2025 | 11.07% | 1.41% | 0.32% | 2.00% | 4.16% |
| Q1 2025 | 10.95% | 1.37% | 0.07% | 0.47% | 3.94% |
| Q4 2024 | 10.88% | 1.29% | 0.03% | 0.53% | 3.94% |
| Q3 2024 | 10.72% | 1.15% | 0.37% | 2.74% | 3.59% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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) | Athens , TX | 75751 | $332.5M |
| Mabank Branch | Mabank , TX | 75147 | $92.8M |
| Malakoff Branch | Malakoff , TX | 75148 | $92.0M |
| Tyler Street Branch | Athens , TX | 75751 | $84.0M |
| Gun Barrel City Branch | Gun Barrel City , TX | 75156 | $50.2M |
| Corsicana Branch | Corsicana , TX | 75110 | $12.1M |
| Forney Office Branch | Forney , TX | 75126 | $5.9M |
| Drive-In Facility | Athens , TX | 75751 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 30, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 30, 1994 | Structure Change | Acquired Bank of Athens, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 18, 1987 | Structure Change | Acquired Bank of Mabank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 17, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 151 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 146 applications, 115 loans originated, $36.3M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $680K approved, $340K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 $761.7 million in its FFIEC call report.
Where is First State Bank headquartered?
It is headquartered in Athens, TX, United States.
When was First State Bank founded?
It was established in 1935, per the FDIC institution directory.
Is First State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15206). 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.
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 4.27% 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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