Branch Network
First State Bank Locations & Branches Shallowater, Texas
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First State Bank operates 4 branches from its headquarters in Shallowater, TX, .
First State Bank branch network
All 4 branches are in TEXAS, across 4 cities. Its largest office by deposits is its main office in Shallowater, TX, with $82.7M (67.3% of its branch deposits). It had the same number of branches on June 30, 2025.
First State Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 15.89% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $151.2M
- Tier 1 leverage ratio, Q2 2026
- 15.89%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Established
- 1960
Full financial profile · Is First State Bank safe? · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Shallowater, TX (1 branch) | 1 of 2 | 67.2% | $82.7M |
| State: TX (4 branches) | 349 of 441 | <0.1% | $122.9M |
Ranked by total assets among banks headquartered in the state: Largest banks in Texas.
Share by county and metro area
First State Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Lubbock, TX (1 branch) | 19 of 28 | 0.6% | $82.7M | $13.12B |
| Dallas, TX (1 branch) | 102 of 107 | <0.1% | $19.6M | $330.95B |
| Lamb, TX (1 branch) | 7 of 7 | 3.1% | $12.5M | $405.3M |
| Collin, TX (1 branch) | 67 of 69 | <0.1% | $8.1M | $39.76B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Lubbock, TX (1 branch) | 19 of 30 | 0.6% | $82.7M | $13.38B |
| Dallas-Fort Worth-Arlington, TX (2 branches) | 155 of 165 | <0.1% | $27.7M | $731.99B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First State Bank (main office) | Shallowater, TX | 79363 | $82.7M |
| Dallas Branch | Dallas, TX | 75229 | $19.6M |
| First National Bank of Amherst Bank Branch | Amherst, TX | 79312 | $12.5M |
| First State Bank - Plano Branch | Plano, TX | 75074 | $8.1M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 18301) · FFIEC NIC profile (RSSD 524766)