First State Bank of Texas
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Data as of · sourced from FFIEC call reports. How we update
First State Bank of Texas is an FDIC-insured commercial bank headquartered in Orange, TX, established in 1914 (FDIC certificate 11922), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $353.6M, up 1.1% from Q2 2025, the 194th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.20% 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
- 11922
- Headquarters
- Orange, TX
- Established
- 1914
- Total assets, Q2 2026
- $353.6M
- Assets vs Q2 2025
- +1.1%
- Tier 1 leverage ratio, Q2 2026
- 9.20%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 114916705
- Latest call report
- Q2 2026, FFIEC 051 · First State Bank of Texas call report
- Holding company
- COUNTY BANCSHARES, INC.
- Asset rank in state
- 194th of 346 in Texas
Problem loans are rising at First State Bank of Texas. Its balance sheet stood at $354 million at June 30, 2026, up 1.1% from a year earlier; it is based in Orange, Texas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.81% of loans from 0.94% a year earlier. It earns about $0.09 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans worth 2.8 times its capital, 2.4 times the median of 1.2 times for banks its size.
Loans are outrunning deposits: over the year loans rose 22.6% and deposits rose 0.4%. Delinquency has appeared in its $40 million non-owner-occupied commercial real estate book: 6.02% of those loans are past due or on nonaccrual, against almost none a year earlier. Credit is the area to watch: it carries problem assets equal to 13.6% of the capital and reserves that would absorb them, 5.1 times the median of 2.6% for banks its size.
As of June 30, 2026, First State Bank of Texas reported a return on assets of 0.09%, a nonperforming-loan ratio of 2.85% and a Texas ratio of 13.59%. The figures come from its call report filed with the FFIEC.
First State Bank of Texas ranks as the 194th largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.3% to $353.6M, loans rose 0.3% and deposits rose 1.6%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 22.7% of total loans, followed by construction and land development loans at 22.6%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in TX; its Three Rivers office books 43% of its branch deposits. Judged on its Q2 2026 call report, First State Bank of Texas meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 4039 I-10 East, Orange, TX 77630
- County
- Orange
- Metro Area
- Beaumont-Port Arthur, 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
- August 12, 1914
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 67
- Domestic deposits
- $316.3M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- $1.9M
- Average total assets
- $351.0M
- Average total loans
- $257.5M
- Average interest-bearing deposits
- $200.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11922
- Fed RSSD
- 190563
- SEC CIK
- 1663952 → filed by COUNTY BANCSHARES, INC.
- Website
- www.fsboftx.com →
- Parent Holding Company
- COUNTY BANCSHARES, INC. (RSSD 4935502)
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 Texas 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 Texas's total assets ranged from $279.8M (Q3 2023) to $368.7M (Q4 2025), 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
$353.6M total assets against $349.9M; $318.7M total liabilities against $317.1M.
$256.6M net loans and leases against $208.7M; $316.3M total deposits against $315.0M.
$51.0M securities against $69.6M; $25.8M cash and balances due against $51.1M.
$5.3M total interest income against $5.6M; $1.3M total interest expense against $1.9M.
$3.9M net interest income against $3.6M.
$202K total noninterest income against $286K; $3.3M total noninterest expense against $3.1M.
$790K provision for credit losses against $1.3M.
$83K net income against -$504K.
0.09% return on assets against -0.58%; 4.82% net interest margin against 4.49%.
9.20% tier 1 leverage ratio against 8.69%.
Inside the full First State Bank of 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First State Bank of Texas rankings
Its closest position to the top of a national ranking is 373 of 3,640, for Texas Ratio; its furthest is 3,477 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.58% (Q2 2025) to 1.50% (Q3 2024) and its net interest margin ran from 4.31% (Q1 2025) to 5.20% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.20% | 0.09% | 2.85% | 13.59% | 4.82% |
| Q1 2026 | 9.11% | 1.03% | 0.47% | 3.39% | 5.16% |
| Q4 2025 | 9.11% | 1.19% | 0.83% | 5.93% | 5.20% |
| Q3 2025 | 9.05% | 0.86% | 1.00% | 6.80% | 5.00% |
| Q2 2025 | 8.69% | -0.58% | 0.94% | 6.26% | 4.49% |
| Q1 2025 | 8.76% | 0.55% | 0.64% | 4.44% | 4.31% |
| Q4 2024 | 9.49% | 1.09% | 0.65% | 4.84% | 4.67% |
| Q3 2024 | 10.33% | 1.50% | 0.75% | 5.11% | 5.03% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Three Rivers Branch | Three Rivers , TX | 78071 | $136.1M |
| First State Bank of Texas (main office) | Orange , TX | 77630 | $72.9M |
| The Woodlands Branch | Spring , TX | 77386 | $35.4M |
| Phelan Boulevard Branch | Beaumont , TX | 77707 | $34.8M |
| Tomball Branch | Tomball , TX | 77375 | $28.6M |
| Vidor Branch | Vidor , TX | 77662 | $8.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 232 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 72 applications, 57 loans originated, $12.1M originated, across 1 states
- Period: Calendar year 2022. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $2.3M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Texas
What are First State Bank of Texas's total assets?
As of the Q2 2026 filing, First State Bank of Texas reported total assets of $353.6 million in its FFIEC call report.
Where is First State Bank of Texas headquartered?
It is headquartered in Orange, TX, United States.
When was First State Bank of Texas founded?
It was established in 1914, per the FDIC institution directory.
Is First State Bank of Texas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11922). 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 Texas?
First State Bank of Texas's primary federal regulator is the FDIC.
How many branches does First State Bank of Texas operate?
It operates 6 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 Texas's Texas Ratio?
Its Texas Ratio is 13.59% 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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