First State Bank of Burnet
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Data as of · sourced from FFIEC call reports. How we update
First State Bank of Burnet is an FDIC-insured commercial bank headquartered in Burnet, TX, established in 1908 (FDIC certificate 11557), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $325.8M, up 2.9% from Q2 2025, the 204th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.53% 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
- 11557
- Headquarters
- Burnet, TX
- Established
- 1908
- Total assets, Q2 2026
- $325.8M
- Assets vs Q2 2025
- +2.9%
- Tier 1 leverage ratio, Q2 2026
- 12.53%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 114907387
- Latest call report
- Q2 2026, FFIEC 051 · First State Bank of Burnet call report
- Asset rank in state
- 204th of 346 in Texas
First State Bank of Burnet, based in Burnet, Texas, reported $326 million in assets at June 30, 2026, up 2.9% from a year earlier. It grew its loan book 20.0% over the year, 3.7 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 1.05% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Net income for the quarter rose 16% from a year earlier, to $1.4 million. Over the same year, loans grew 20.0% and deposits grew 1.5%.
As of June 30, 2026, First State Bank of Burnet reported a return on assets of 1.72%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 0.64%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First State Bank of Burnet is the 204th largest of the 346 banks headquartered in Texas. From Q1 2026 to Q2 2026, its total assets fell 1.6% to $325.8M, loans fell 3.1% and deposits fell 2.1%. Construction and land development loans made up 24.3% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 22.0%. The FDIC Summary of Deposits lists 4 offices for it, in Burnet, TX, Lampasas, TX and Plainview, TX; its Burnet 2 offices book 78% of its branch deposits. By the capital ratios in its Q2 2026 call report, First State Bank of Burnet meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 136 E Washington St, Burnet, TX 78611
- County
- Burnet
- 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 24, 1908
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 44
- Domestic deposits
- $289.0M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $22K
- Average total assets
- $332.8M
- Average total loans
- $185.8M
- Average interest-bearing deposits
- $188.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11557
- Fed RSSD
- 303653
- Website
- www.fsbburnet.bank →
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 Burnet 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 Burnet's total assets ranged from $291.3M (Q3 2023) to $331.0M (Q1 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
$325.8M total assets against $316.8M; $289.8M total liabilities against $285.6M.
$178.2M net loans and leases against $148.5M; $289.0M total deposits against $284.8M.
$127.5M securities against $146.2M; $14.0M cash and balances due against $17.9M.
$4.0M total interest income against $3.5M; $772K total interest expense against $753K.
$3.2M net interest income against $2.7M.
$198K total noninterest income against $189K; $1.9M total noninterest expense against $1.6M.
$50K provision for credit losses against $60K.
$1.4M net income against $1.2M.
1.72% return on assets against 1.50%; 3.93% net interest margin against 3.42%.
12.53% tier 1 leverage ratio against 12.03%.
Inside the full First State Bank of Burnet terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst State Bank of Burnet rankings
Its closest position to the top of a national ranking is 873 of 3,611, for ROA; its furthest is 2,884 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.92% (Q3 2024) to 1.72% (Q2 2026) and its net interest margin ran from 3.01% (Q3 2024) to 3.93% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.53% | 1.72% | 0.13% | 0.64% | 3.93% |
| Q1 2026 | 12.47% | 1.47% | 0.00% | 0.01% | 3.75% |
| Q4 2025 | 12.30% | 1.63% | 0.00% | 0.01% | 3.67% |
| Q3 2025 | 12.25% | 1.44% | 0.00% | 0.02% | 3.65% |
| Q2 2025 | 12.03% | 1.50% | 0.02% | 0.08% | 3.42% |
| Q1 2025 | 12.34% | 1.10% | 0.01% | 0.04% | 3.30% |
| Q4 2024 | 12.47% | 1.19% | 0.00% | 0.02% | 3.21% |
| Q3 2024 | 12.54% | 0.92% | 0.00% | 0.00% | 3.01% |
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 |
|---|---|---|---|
| First State Bank of Burnet (main office) | Burnet , TX | 78611 | $226.6M |
| Lampasas Branch | Lampasas , TX | 76550 | $57.7M |
| First State Bank of Burnet- Plainview Branch | Plainview , TX | 79072 | $4.6M |
| Remote Drive-In Branch | Burnet , TX | 78611 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 244 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $83K approved, $83K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (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 Burnet
What are First State Bank of Burnet's total assets?
As of the Q2 2026 filing, First State Bank of Burnet reported total assets of $325.8 million in its FFIEC call report.
Where is First State Bank of Burnet headquartered?
It is headquartered in Burnet, TX, United States.
When was First State Bank of Burnet founded?
It was established in 1908, per the FDIC institution directory.
Is First State Bank of Burnet FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11557). 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 Burnet?
First State Bank of Burnet's primary federal regulator is the FDIC.
How many branches does First State Bank of Burnet 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 Burnet's Texas Ratio?
Its Texas Ratio is 0.64% 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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