First State Bank (Junction, 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 Junction, TX, established in 1947 (FDIC certificate 16643), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $58.2M, up 8.5% from Q2 2025, the 332nd largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.64% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 16643
- Headquarters
- Junction, TX
- Established
- 1947
- Total assets, Q2 2026
- $58.2M
- Assets vs Q2 2025
- +8.5%
- Tier 1 leverage ratio, Q2 2026
- 10.64%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 114922430
- Holding company
- KIMBLE COUNTY BANCSHARES, INC.
- Asset rank in state
- 332nd of 346 in Texas
First State Bank earns an unusually wide margin on its lending. It reported $58 million in assets at June 30, 2026, up 8.5% from a year earlier. It keeps 4.93 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 583 banks with less than $100 million in assets (median 3.87 cents). It also returns 16.1% a year on shareholders' equity, about double the median of 8.6% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.37% of loans from 2.19%. Deposits are coming in faster than loans: over the year loans rose 1.3% and deposits rose 9.1%. Where it has less room is capital: it funds 10.64% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
As of June 30, 2026, First State Bank reported a return on assets of 1.62%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 1.21%. The figures come from its call report filed with the FFIEC.
First State Bank ranks as the 332nd largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 4.2% to $58.2M, loans rose 3.2% and deposits fell 5.3%. 1-4 family residential loans made up 24.7% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 22.1%. Its one office in the FDIC Summary of Deposits is in Junction, TX. 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
- 601 College St, Junction, TX 76849
- County
- Kimble
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 8, 1947
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $51.9M
- Allowance for credit losses
- $484K
- Net charge-offs (YTD)
- $27K
- Average total assets
- $59.1M
- Average total loans
- $20.6M
- Average interest-bearing deposits
- $36.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 8, 1947
- FDIC Cert
- 16643
- Fed RSSD
- 603755
- Website
- http://www.fsbjunction.com →
- Parent Holding Company
- KIMBLE COUNTY BANCSHARES, INC. (RSSD 4848237)
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 $53.6M (Q2 2025) and $64.4M (Q1 2024), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$58.2M total assets against $53.6M; $52.2M total liabilities against $48.0M.
$20.9M net loans and leases against $20.6M; $51.9M total deposits against $47.5M.
$29.8M securities against $26.9M; $5.3M cash and balances due against $4.0M.
$808K total interest income against $707K; $136K total interest expense against $19K.
$672K net interest income against $688K.
$81K total noninterest income against $65K; $501K total noninterest expense against $438K.
$0 provision for credit losses against $0.
$239K net income against $320K.
1.62% return on assets against 2.35%; 4.93% net interest margin against 5.65%.
10.64% tier 1 leverage ratio against 11.21%.
Inside the full First State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.35% (Q3 2025) to 2.35% (Q2 2025) and its net interest margin ran from 4.93% (Q2 2026) to 6.10% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.64% | 1.62% | 0.37% | 1.21% | 4.93% |
| Q1 2026 | 9.93% | 1.60% | 0.22% | 0.71% | 5.30% |
| Q4 2025 | 9.98% | 1.88% | 1.25% | 4.06% | 5.28% |
| Q3 2025 | 11.14% | -0.35% | 1.08% | 3.58% | 6.10% |
| Q2 2025 | 11.21% | 2.35% | 2.19% | 7.60% | 5.65% |
| Q1 2025 | 10.17% | 2.03% | 2.13% | 7.95% | 5.55% |
| Q4 2024 | 9.65% | 2.21% | 2.41% | 9.82% | 5.40% |
| Q3 2024 | 10.30% | 1.84% | 2.64% | 9.53% | 5.32% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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) | Junction , TX | 76849 | $51.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 411 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $286K approved, $286K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 $58.2 million in its FFIEC call report.
Where is First State Bank headquartered?
It is headquartered in Junction, TX, United States.
When was First State Bank founded?
It was established in 1947, per the FDIC institution directory.
Is First State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16643). 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 Federal Reserve.
How many branches does First State Bank operate?
It operates 1 domestic office, 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 1.21% 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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