First State Bank (Clute, 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 Clute, TX, established in 1958 (FDIC certificate 17950), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $478.1M, up 15.4% from Q2 2025, the 164th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 13.39% 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
- 17950
- Headquarters
- Clute, TX
- Established
- 1958
- Total assets, Q2 2026
- $478.1M
- Assets vs Q2 2025
- +15.4%
- CET1 ratio, Q2 2026
- 13.39%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 113123366
- Holding company
- FSB BANCSHARES, INC.
- Asset rank in state
- 164th of 346 in Texas
First State Bank is one of the more profitable banks of its size. The Clute, Texas bank had $478 million in assets at June 30, 2026, up 15.4% from a year earlier. It earns about $2.27 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also grew deposits 15.2% over the year, 3.7 times the median of 4.0% for banks its size. Much of that comes from cost control: it spends about 48 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $2.7 million, 42% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.24% of loans, down from 1.78% a year earlier. Credit is the area to watch: it carries problem assets equal to 12.2% of the capital and reserves that would absorb them, 4.6 times the median of 2.6% for banks its size.
As of June 30, 2026, First State Bank reported a CET1 capital ratio of 13.39%, a return on assets of 2.27%, a nonperforming-loan ratio of 1.38% and a Texas ratio of 12.18%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, First State Bank is the 164th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.5% to $478.1M, loans rose 2.4% and deposits rose 1.8%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 31.7% of total loans, followed by 1-4 family residential loans at 29.3%. The FDIC Summary of Deposits lists 3 offices for it, in Clute, TX, Lake Jackson, TX and Manvel, TX; its Clute office books 78% of its branch deposits. On its Q2 2026 call report, First State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 200 Brazosport Blvd N, Clute, TX 77531
- County
- Brazoria
- Metro Area
- Houston-Pasadena-The Woodlands, 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
- —
- Call Report form
- FFIEC 051
- Established
- October 16, 1958
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 58
- Domestic deposits
- $429.1M
- Allowance for credit losses
- $5.1M
- Net charge-offs (YTD)
- $158K
- Average total assets
- $473.0M
- Average total loans
- $351.6M
- Average interest-bearing deposits
- $316.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 2, 1959
- FDIC Cert
- 17950
- Fed RSSD
- 796152
- Website
- www.bankatfsb.com →
- Parent Holding Company
- FSB BANCSHARES, INC. (RSSD 2344650)
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
First State Bank's total assets moved between a low of $337.9M (Q3 2023) and a high of $478.1M (Q2 2026) from Q3 2023 to 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
$478.1M total assets against $414.4M; $434.7M total liabilities against $376.4M.
$349.6M net loans and leases against $304.8M; $429.1M total deposits against $372.6M.
$47.3M securities against $39.1M; $63.8M cash and balances due against $50.0M.
$7.3M total interest income against $6.0M; $2.3M total interest expense against $1.9M.
$5.0M net interest income against $4.1M.
$631K total noninterest income against $654K; $2.7M total noninterest expense against $2.5M.
$220K provision for credit losses against $391K.
$2.7M net income against $1.9M.
2.27% return on assets against 1.85%; 4.46% net interest margin against 4.25%.
13.39% CET1 capital ratio against 13.46%; 9.48% tier 1 leverage ratio against 9.84%.
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 261 of 3,611, for ROA; its furthest is 1,284 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.71% (Q1 2026) to 2.27% (Q2 2026) and its net interest margin ran from 4.25% (Q2 2025) to 4.74% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.39% | 2.27% | 1.38% | 12.18% | 4.46% |
| Q1 2026 | 13.01% | 1.71% | 1.75% | 15.01% | 4.34% |
| Q4 2025 | 13.00% | 1.98% | 1.36% | 12.73% | 4.74% |
| Q3 2025 | 14.07% | 1.97% | 1.91% | 9.79% | 4.30% |
| Q2 2025 | 13.46% | 1.85% | 2.30% | 13.05% | 4.25% |
| Q1 2025 | 13.73% | 2.15% | 1.13% | 6.93% | 4.33% |
| Q4 2024 | 12.95% | 2.15% | 0.53% | 3.10% | 4.48% |
| Q3 2024 | 13.10% | 2.17% | 0.22% | 1.73% | 4.39% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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) | Clute , TX | 77531 | $334.6M |
| Lake Jackson Branch | Lake Jackson , TX | 77566 | $60.9M |
| Manvel Branch | Manvel , TX | 77578 | $33.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 203 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 174 applications, 144 loans originated, $25.1M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K 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, 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 $478.1 million in its FFIEC call report.
Where is First State Bank headquartered?
It is headquartered in Clute, TX, United States.
When was First State Bank founded?
It was established in 1958, per the FDIC institution directory.
Is First State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17950). 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 13.39% 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 3 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 12.18% 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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