First State Bank of Brownsboro
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Data as of · sourced from FFIEC call reports. How we update
First State Bank of Brownsboro is an FDIC-insured commercial bank headquartered in Brownsboro, TX, established in 1917 (FDIC certificate 11181), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $139.9M, up 12.1% from Q2 2025, the 289th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.36% 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
- 11181
- Headquarters
- Brownsboro, TX
- Established
- 1917
- Total assets, Q2 2026
- $139.9M
- Assets vs Q2 2025
- +12.1%
- Tier 1 leverage ratio, Q2 2026
- 10.36%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 111917590
- Latest call report
- Q2 2026, FFIEC 051 · First State Bank of Brownsboro call report
- Holding company
- BROWNSBORO BANCSHARES, INC.
- Asset rank in state
- 289th of 346 in Texas
First State Bank of Brownsboro is one of the more profitable banks of its size. It reported $140 million in assets at June 30, 2026, up 12.1% from a year earlier. It returns 21.4% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also holds commercial real estate loans equal to only 32% 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 $441,000, 53% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $6.4 million equal 44% of Tier 1 capital, down from 61% a year earlier. One more trend to watch: the commercial and industrial book ($11 million) is worsening: 2.14% of it is past due or on nonaccrual, up from 0.91% a year earlier.
As of June 30, 2026, First State Bank of Brownsboro reported a return on assets of 1.26%, a nonperforming-loan ratio of 0.52% and a Texas ratio of 3.86%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, First State Bank of Brownsboro is the 289th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.2% to $139.9M, loans rose 1.6% and deposits fell 1.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 40.7% of total loans, ahead of commercial and industrial loans at 17.5%. The FDIC Summary of Deposits lists 3 offices for it, in Brownsboro, TX, Athens, TX and Murchison, TX; its Brownsboro office books 58% of its branch deposits. On its Q2 2026 call report, First State Bank of Brownsboro meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 14225 State Highway 31 E, Brownsboro, TX 75756
- County
- Henderson
- Metro Area
- Athens, 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
- February 17, 1917
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $129.6M
- Allowance for credit losses
- $648K
- Net charge-offs (YTD)
- $6K
- Average total assets
- $140.4M
- Average total loans
- $65.9M
- Average interest-bearing deposits
- $84.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11181
- Fed RSSD
- 229454
- Website
- www.fsbbrownsboro.com →
- Parent Holding Company
- BROWNSBORO BANCSHARES, INC. (RSSD 3306561)
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 Brownsboro reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First State Bank of Brownsboro's total assets ranged from $123.6M (Q3 2024) to $139.9M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$139.9M total assets against $124.8M; $131.7M total liabilities against $119.4M.
$65.0M net loans and leases against $62.9M; $129.6M total deposits against $119.2M.
$68.1M securities against $54.6M; $3.3M cash and balances due against $4.1M.
$1.7M total interest income against $1.5M; $456K total interest expense against $475K.
$1.3M net interest income against $1.1M.
$177K total noninterest income against $175K; $1.0M total noninterest expense against $944K.
$0 provision for credit losses against $8K.
$441K net income against $288K.
1.26% return on assets against 0.92%; 3.75% net interest margin against 3.43%.
10.36% tier 1 leverage ratio against 11.07%.
Inside the full First State Bank of Brownsboro terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst State Bank of Brownsboro rankings
Its closest position to the top of a national ranking is 1,610 of 3,640, for Texas Ratio; its furthest is 3,367 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.05% (Q4 2024) to 1.43% (Q1 2026) and its net interest margin ran from 3.15% (Q3 2024) to 3.75% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.36% | 1.26% | 0.52% | 3.86% | 3.75% |
| Q1 2026 | 10.31% | 1.43% | 0.50% | 3.58% | 3.69% |
| Q4 2025 | 10.57% | 0.15% | 0.60% | 4.38% | 3.67% |
| Q3 2025 | 11.23% | 1.06% | 0.42% | 3.36% | 3.58% |
| Q2 2025 | 11.07% | 0.92% | 0.24% | 2.47% | 3.43% |
| Q1 2025 | 10.81% | 1.02% | 0.23% | 2.26% | 3.31% |
| Q4 2024 | 10.87% | 0.05% | 0.26% | 2.79% | 3.27% |
| Q3 2024 | 11.03% | 0.75% | 0.26% | 2.15% | 3.15% |
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 of Brownsboro (main office) | Brownsboro , TX | 75756 | $75.2M |
| Athens Bank Branch | Athens , TX | 75751 | $45.4M |
| Murchison Branch | Murchison , TX | 75778 | $8.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 340 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $570K approved, $285K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (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 of Brownsboro
What are First State Bank of Brownsboro's total assets?
As of the Q2 2026 filing, First State Bank of Brownsboro reported total assets of $139.9 million in its FFIEC call report.
Where is First State Bank of Brownsboro headquartered?
It is headquartered in Brownsboro, TX, United States.
When was First State Bank of Brownsboro founded?
It was established in 1917, per the FDIC institution directory.
Is First State Bank of Brownsboro FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11181). 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 Brownsboro?
First State Bank of Brownsboro's primary federal regulator is the FDIC.
How many branches does First State Bank of Brownsboro 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 of Brownsboro's Texas Ratio?
Its Texas Ratio is 3.86% 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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