First State Bank of Bedias
BankRegReports is independent of First State Bank of Bedias and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
First State Bank of Bedias is an FDIC-insured commercial bank headquartered in Bedias, TX, established in 1907 (FDIC certificate 16895), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $224.8M, up 7.6% from Q2 2025, the 244th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.94% 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
- 16895
- Headquarters
- Bedias, TX
- Established
- 1907
- Total assets, Q2 2026
- $224.8M
- Assets vs Q2 2025
- +7.6%
- Tier 1 leverage ratio, Q2 2026
- 17.94%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 113109377
- Latest call report
- Q2 2026, FFIEC 041 · First State Bank of Bedias call report
- Holding company
- BEDIAS FINANCIAL CORP.
- Asset rank in state
- 244th of 346 in Texas
Problem loans are rising at First State Bank of Bedias. It reported $225 million in assets at June 30, 2026, up 7.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.01% of loans from 0.80% a year earlier. It earns about $2.60 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also funds 17.94% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%).
Loans and deposits moved in opposite directions: over the year loans fell 1.2% and deposits rose 7.5%.
As of June 30, 2026, First State Bank of Bedias reported a return on assets of 2.60%, a nonperforming-loan ratio of 2.01% and a Texas ratio of 6.18%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, First State Bank of Bedias is the 244th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.4% to $224.8M, loans rose 1.3% and deposits rose 1.8%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 21.2% of total loans, ahead of 1-4 family residential loans at 17.2%. The FDIC Summary of Deposits lists 2 offices for it, in Bedias, TX and Bryan, TX; its Bedias office books 61% of its branch deposits. By the capital ratios in its Q2 2026 call report, First State Bank of Bedias meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 22201 Highway 90 N, Bedias, TX 77831
- County
- Grimes
- 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 041
- Established
- August 28, 1907
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $184.7M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $133K
- Average total assets
- $225.5M
- Average total loans
- $123.9M
- Average interest-bearing deposits
- $126.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 24, 1950
- FDIC Cert
- 16895
- Fed RSSD
- 88352
- Website
- www.bediasbank.com →
- Parent Holding Company
- BEDIAS FINANCIAL CORP. (RSSD 3069482)
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 of Bedias 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 of Bedias's total assets ran between $195.1M (Q1 2024) and $224.8M (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
$224.8M total assets against $208.8M; $185.9M total liabilities against $172.9M.
$122.9M net loans and leases against $124.4M; $184.7M total deposits against $171.8M.
$56.1M securities against $46.7M; $33.2M cash and balances due against $25.4M.
$3.2M total interest income against $3.0M; $766K total interest expense against $767K.
$2.4M net interest income against $2.3M.
$262K total noninterest income against $267K; $1.2M total noninterest expense against $1.2M.
$0 provision for credit losses against $0.
$1.5M net income against $1.4M.
2.60% return on assets against 2.62%; 4.68% net interest margin against 4.64%.
17.94% tier 1 leverage ratio against 18.19%.
Inside the full First State Bank of Bedias terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst State Bank of Bedias rankings
Its closest position to the top of a national ranking is 138 of 3,611, for ROA; its furthest is 2,828 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.22% (Q4 2025) to 2.62% (Q2 2025) and its net interest margin ran from 4.56% (Q1 2025) to 4.90% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.94% | 2.60% | 2.01% | 6.18% | 4.68% |
| Q1 2026 | 18.38% | 2.50% | 0.33% | 1.00% | 4.75% |
| Q4 2025 | 18.35% | 2.22% | 0.53% | 1.67% | 4.90% |
| Q3 2025 | 18.01% | 2.46% | 0.74% | 2.39% | 4.87% |
| Q2 2025 | 18.19% | 2.62% | 0.80% | 2.69% | 4.64% |
| Q1 2025 | 18.57% | 2.27% | 0.51% | 1.62% | 4.56% |
| Q4 2024 | 18.52% | 2.62% | 0.44% | 1.46% | 4.75% |
| Q3 2024 | 18.25% | 2.60% | 0.49% | 1.65% | 4.77% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 of Bedias (main office) | Bedias , TX | 77831 | $111.8M |
| Kurten Branch | Bryan , TX | 77808 | $72.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 303 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows First State Bank of Bedias’s latest filed figures and updates each quarter.
Similar banks
Compare First State Bank of Bedias with peers
Frequently asked about First State Bank of Bedias
What are First State Bank of Bedias's total assets?
As of the Q2 2026 filing, First State Bank of Bedias reported total assets of $224.8 million in its FFIEC call report.
Where is First State Bank of Bedias headquartered?
It is headquartered in Bedias, TX, United States.
When was First State Bank of Bedias founded?
It was established in 1907, per the FDIC institution directory.
Is First State Bank of Bedias FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16895). 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 of Bedias?
First State Bank of Bedias's primary federal regulator is the FDIC.
How many branches does First State Bank of Bedias operate?
It operates 2 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 of Bedias's Texas Ratio?
Its Texas Ratio is 6.18% 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.
Go deeper on First State Bank of Bedias.
Get an email when First State Bank of Bedias files its next call report, and benchmark it against any peer you choose.
Unlock First State Bank of Bedias, freeFree account