First State Bank of Ben Wheeler, Texas
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Data as of · sourced from FFIEC call reports. How we update
First State Bank of Ben Wheeler, Texas is an FDIC-insured commercial bank headquartered in Ben Wheeler, TX, established in 1911 (FDIC certificate 11904), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $185.1M, up 1.9% from Q2 2025, the 259th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.66% 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
- 11904
- Headquarters
- Ben Wheeler, TX
- Established
- 1911
- Total assets, Q2 2026
- $185.1M
- Assets vs Q2 2025
- +1.9%
- Tier 1 leverage ratio, Q2 2026
- 15.66%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 111909443
- Latest call report
- Q2 2026, FFIEC 051 · First State Bank of Ben Wheeler, Texas call report
- Asset rank in state
- 259th of 346 in Texas
First State Bank of Ben Wheeler, Texas carries far more capital than most banks of its size. The Ben Wheeler, Texas bank had $185 million in assets at June 30, 2026, up 1.9% from a year earlier. It funds 15.66% of its assets with Tier 1 capital, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also holds commercial real estate loans equal to only 27% of its capital, a small fraction of the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $656,000, 45% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $10 million equal 35% of Tier 1 capital, down from 45% a year earlier. Its margin is thin by comparison: it keeps 3.34 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, First State Bank of Ben Wheeler, Texas reported a return on assets of 1.42%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 0.16%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, First State Bank of Ben Wheeler, Texas is the 259th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.0% to $185.1M, loans fell 0.8% and deposits fell 1.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 39.4% of total loans, ahead of farmland and other real estate loans at 16.2%. The FDIC Summary of Deposits lists 4 offices for it, in Ben Wheeler, TX, Canton, TX and Edgewood, TX; its Ben Wheeler 2 offices book 48% of its branch deposits. By the capital ratios in its Q2 2026 call report, First State Bank of Ben Wheeler, Texas meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 14269 State Highway 64, Ben Wheeler, TX 75754
- County
- Van Zandt
- 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
- February 17, 1911
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $156.1M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- -$12K
- Average total assets
- $184.3M
- Average total loans
- $67.5M
- Average interest-bearing deposits
- $115.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11904
- Fed RSSD
- 31657
- Website
- www.fsbbenwheeler.com →
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 Ben Wheeler, Texas 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 Ben Wheeler, Texas's total assets ran between $181.5M (Q3 2025) and $196.0M (Q3 2023), 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
$185.1M total assets against $181.7M; $156.3M total liabilities against $154.0M.
$66.0M net loans and leases against $67.7M; $156.1M total deposits against $153.9M.
$103.0M securities against $102.6M; $8.6M cash and balances due against $3.9M.
$2.0M total interest income against $1.9M; $538K total interest expense against $522K.
$1.5M net interest income against $1.3M.
$358K total noninterest income against $314K; $1.2M total noninterest expense against $1.2M.
$0 provision for credit losses against $0.
$656K net income against $451K.
1.42% return on assets against 0.98%; 3.34% net interest margin against 3.08%.
15.66% tier 1 leverage ratio against 15.07%.
Inside the full First State Bank of Ben Wheeler, Texas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
First State Bank of Ben Wheeler, Texas rankings
Its closest position to the top of a national ranking is 1,475 of 3,611, for ROA; its furthest is 3,184 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.82% (Q4 2025) to 1.60% (Q1 2026) and its net interest margin ran from 2.78% (Q3 2024) to 3.34% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.66% | 1.42% | 0.07% | 0.16% | 3.34% |
| Q1 2026 | 15.30% | 1.60% | 0.05% | 0.11% | 3.23% |
| Q4 2025 | 15.06% | 0.82% | 0.01% | 0.02% | 3.16% |
| Q3 2025 | 15.52% | 1.30% | 0.00% | 0.00% | 3.15% |
| Q2 2025 | 15.07% | 0.98% | 0.00% | 0.00% | 3.08% |
| Q1 2025 | 14.57% | 1.28% | 0.00% | 0.00% | 2.95% |
| Q4 2024 | 14.35% | 0.91% | 0.00% | 0.00% | 2.88% |
| Q3 2024 | 14.44% | 1.02% | 0.00% | 0.00% | 2.78% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Canton Branch | Canton , TX | 75103 | $68.7M |
| First State Bank of Ben Wheeler, Texas (main office) | Ben Wheeler , TX | 75754 | $57.6M |
| Edom Branch | Ben Wheeler , TX | 75754 | $17.1M |
| Edgewood Branch | Edgewood , TX | 75117 | $12.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 319 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
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Frequently asked about First State Bank of Ben Wheeler, Texas
What are First State Bank of Ben Wheeler, Texas's total assets?
As of the Q2 2026 filing, First State Bank of Ben Wheeler, Texas reported total assets of $185.1 million in its FFIEC call report.
Where is First State Bank of Ben Wheeler, Texas headquartered?
It is headquartered in Ben Wheeler, TX, United States.
When was First State Bank of Ben Wheeler, Texas founded?
It was established in 1911, per the FDIC institution directory.
Is First State Bank of Ben Wheeler, Texas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11904). 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 Ben Wheeler, Texas?
First State Bank of Ben Wheeler, Texas's primary federal regulator is the FDIC.
How many branches does First State Bank of Ben Wheeler, Texas operate?
It operates 4 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 Ben Wheeler, Texas's Texas Ratio?
Its Texas Ratio is 0.16% 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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