First State Bank of San Diego
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Data as of · sourced from FFIEC call reports. How we update
First State Bank of San Diego is an FDIC-insured commercial bank headquartered in San Diego, TX, established in 1954 (FDIC certificate 17350), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $68.2M, down 10.8% from Q2 2025, the 326th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 27.70% 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
- 17350
- Headquarters
- San Diego, TX
- Established
- 1954
- Total assets, Q2 2026
- $68.2M
- Assets vs Q2 2025
- -10.8%
- CET1 ratio, Q2 2026
- 27.70%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 114902683
- Latest call report
- Q2 2026, FFIEC 041 · First State Bank of San Diego call report
- Holding company
- SAN DIEGO BANCSHARES, INC.
- Asset rank in state
- 326th of 346 in Texas
Problem loans are rising at First State Bank of San Diego. Its balance sheet stood at $68 million at June 30, 2026, down 10.8% from a year earlier; it is based in San Diego, Texas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.65% of loans from 1.95% a year earlier. It is losing 1.7% a year on shareholders' equity, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 8.6%). It also funds 9.02% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 13.06%).
It lost $26,000 in the quarter. The commercial and industrial book ($6.3 million) is worsening: 17.69% of it is past due or on nonaccrual, up from 2.52% a year earlier. Costs are the weak spot: it spends about 99 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
As of June 30, 2026, First State Bank of San Diego reported a CET1 capital ratio of 27.70%, a return on assets of -0.15%, a nonperforming-loan ratio of 2.65% and a Texas ratio of 6.35%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, First State Bank of San Diego is the 326th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 6.6% to $68.2M, loans fell 9.6% and deposits fell 7.0%. Commercial and industrial loans made up 41.5% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 13.4%. Its one office in the FDIC Summary of Deposits is in San Diego, TX. Judged on its Q2 2026 call report, First State Bank of San Diego meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 209 E Gravis St, San Diego, TX 78384
- County
- Duval
- 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 9, 1954
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $61.9M
- Allowance for credit losses
- $281K
- Net charge-offs (YTD)
- $0
- Average total assets
- $70.2M
- Average total loans
- $15.9M
- Average interest-bearing deposits
- $41.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1954
- FDIC Cert
- 17350
- Fed RSSD
- 578862
- Website
- www.fsbsandiego.com →
- Parent Holding Company
- SAN DIEGO BANCSHARES, INC. (RSSD 1832749)
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
From Q3 2023 to Q2 2026, First State Bank of San Diego's total assets ranged from $68.2M (Q2 2026) to $78.0M (Q1 2025), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$68.2M total assets against $76.5M; $62.2M total liabilities against $70.2M.
$14.9M net loans and leases against $19.4M; $61.9M total deposits against $70.0M.
$39.7M securities against $33.2M; $13.0M cash and balances due against $23.4M.
$846K total interest income against $953K; $158K total interest expense against $234K.
$688K net interest income against $719K.
$55K total noninterest income against $60K; $738K total noninterest expense against $568K.
$0 provision for credit losses against $0.
-$26K net income against $211K.
-0.15% return on assets against 1.11%; 4.02% net interest margin against 3.87%.
27.70% CET1 capital ratio against 23.24%; 9.02% tier 1 leverage ratio against 8.55%.
Inside the full First State Bank of San Diego terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.89% (Q1 2026) to 1.11% (Q2 2025) and its net interest margin ran from 3.52% (Q1 2025) to 4.06% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 27.70% | -0.15% | 2.65% | 6.35% | 4.02% |
| Q1 2026 | 25.47% | -0.89% | 1.94% | 4.98% | 3.78% |
| Q4 2025 | 25.46% | 0.80% | 1.79% | 4.57% | 4.06% |
| Q3 2025 | 23.25% | 0.77% | 1.63% | 4.74% | 4.00% |
| Q2 2025 | 23.24% | 1.11% | 1.95% | 5.79% | 3.87% |
| Q1 2025 | 23.48% | 0.81% | 1.77% | 5.31% | 3.52% |
| Q4 2024 | 24.83% | 1.00% | 1.97% | 5.92% | 3.88% |
| Q3 2024 | 23.85% | 1.03% | 1.86% | 5.57% | 3.57% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 San Diego (main office) | San Diego , TX | 78384 | $61.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 403 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 San Diego
What are First State Bank of San Diego's total assets?
As of the Q2 2026 filing, First State Bank of San Diego reported total assets of $68.2 million in its FFIEC call report.
Where is First State Bank of San Diego headquartered?
It is headquartered in San Diego, TX, United States.
When was First State Bank of San Diego founded?
It was established in 1954, per the FDIC institution directory.
Is First State Bank of San Diego FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17350). 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 San Diego?
First State Bank of San Diego's primary federal regulator is the FDIC.
What is First State Bank of San Diego's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 27.70% 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 of San Diego operate?
It operates 1 domestic office, 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 San Diego's Texas Ratio?
Its Texas Ratio is 6.35% 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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