First State Bank of Uvalde
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Data as of · sourced from FFIEC call reports. How we update
First State Bank of Uvalde is an FDIC-insured commercial bank headquartered in Uvalde, TX, established in 1907 (FDIC certificate 9978), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.68B, down 7.6% from Q2 2025, the 60th 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
- 9978
- Headquarters
- Uvalde, TX
- Established
- 1907
- Total assets, Q2 2026
- $1.68B
- Assets vs Q2 2025
- -7.6%
- Tier 1 leverage ratio, Q2 2026
- 15.66%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 114902405
- Latest call report
- Q2 2026, FFIEC 051 · First State Bank of Uvalde call report
- Holding company
- BRISCOE RANCH, INC.
- Asset rank in state
- 60th of 346 in Texas
First State Bank of Uvalde, based in Uvalde, Texas, reported $1.7 billion in assets at June 30, 2026, down 7.6% from a year earlier. It keeps 2.37 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it funds 15.66% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.52%).
Its $135 million non-owner-occupied commercial real estate book is improving, with 0.48% past due or on nonaccrual, down from 3.12% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $97 million equal 34% of Tier 1 capital, down from 42% a year earlier. Funding is the softer spot: it holds about half of its deposits (58%) above the FDIC insurance limit, about double the median of 30.9% for banks its size.
As of June 30, 2026, First State Bank of Uvalde reported a return on assets of 1.10%, a nonperforming-loan ratio of 1.27% and a Texas ratio of 3.86%. The figures come from its call report filed with the FFIEC.
First State Bank of Uvalde ranks as the 60th largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 4.1% to $1.68B, loans rose 0.4% and deposits fell 4.3%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 24.1% of total loans, followed by non-owner-occupied commercial real estate loans at 20.0%. The FDIC Summary of Deposits lists 8 offices for it, in 7 cities in TX; its Uvalde 2 offices book 80% of its branch deposits. By the capital ratios in its Q2 2026 call report, First State Bank of Uvalde meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 200 E Nopal St, Uvalde, TX 78801
- County
- Uvalde
- Metro Area
- Uvalde, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 6, 1907
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 136
- Domestic deposits
- $1.46B
- Allowance for credit losses
- $10.7M
- Net charge-offs (YTD)
- $340K
- Average total assets
- $1.82B
- Average total loans
- $666.8M
- Average interest-bearing deposits
- $1.43B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9978
- Fed RSSD
- 273662
- Website
- www.fsbuvalde.bank →
- Parent Holding Company
- BRISCOE RANCH, INC. (RSSD 1102451)
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 Uvalde 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 Uvalde's total assets ranged from $1.68B (Q2 2026) to $1.92B (Q4 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
$1.68B total assets against $1.82B; $1.47B total liabilities against $1.64B.
$661.4M net loans and leases against $685.3M; $1.46B total deposits against $1.63B.
$614.5M securities against $665.6M; $355.3M cash and balances due against $415.1M.
$17.6M total interest income against $18.7M; $7.2M total interest expense against $9.2M.
$10.4M net interest income against $9.5M.
$1.4M total noninterest income against $1.4M; $5.4M total noninterest expense against $5.2M.
$100K provision for credit losses against $187K.
$5.0M net income against $4.2M.
1.10% return on assets against 0.86%; 2.37% net interest margin against 2.05%.
15.66% tier 1 leverage ratio against 13.76%.
Inside the full First State Bank of Uvalde 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
First State Bank of Uvalde rankings
Its closest position to the top of a national ranking is 41 of 980, for uninsured deposits; its furthest is 2,284 of 3,611, for ROA.
Metric pages for First State Bank of Uvalde: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.86% (Q2 2025) to 1.25% (Q4 2025) and its net interest margin ran from 2.05% (Q2 2025) to 2.44% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.66% | 1.10% | 1.27% | 3.86% | 2.37% |
| Q1 2026 | 15.23% | 1.18% | 1.26% | 3.89% | 2.44% |
| Q4 2025 | 14.57% | 1.25% | 1.77% | 5.59% | 2.34% |
| Q3 2025 | 14.33% | 1.08% | 1.55% | 5.20% | 2.33% |
| Q2 2025 | 13.76% | 0.86% | 1.49% | 5.47% | 2.05% |
| Q1 2025 | 13.41% | 0.92% | 0.86% | 3.39% | 2.07% |
| Q4 2024 | 13.90% | 1.03% | 0.42% | 2.02% | 2.13% |
| Q3 2024 | 13.32% | 1.08% | 0.45% | 1.81% | 2.10% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 Uvalde (main office) | Uvalde , TX | 78801 | $1.17B |
| Carrizo Springs Branch | Carrizo Springs , TX | 78834 | $142.2M |
| Frio Canyon Branch | Leakey , TX | 78873 | $41.2M |
| Camp Wood Branch | Camp Wood , TX | 78833 | $30.2M |
| Sabinal Branch | Sabinal , TX | 78881 | $28.1M |
| Utopia Branch | Utopia , TX | 78884 | $24.7M |
| Concan Branch | Concan , TX | 78838 | $24.2M |
| Main Street Branch | Uvalde , TX | 78801 | $6.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 19, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 19, 2006 | Structure Change | Acquired Bank of Frio Canyon Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 86 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $117K approved, $117K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (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 Uvalde
What are First State Bank of Uvalde's total assets?
As of the Q2 2026 filing, First State Bank of Uvalde reported total assets of $1.68 billion in its FFIEC call report.
Where is First State Bank of Uvalde headquartered?
It is headquartered in Uvalde, TX, United States.
When was First State Bank of Uvalde founded?
It was established in 1907, per the FDIC institution directory.
Is First State Bank of Uvalde FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9978). 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 Uvalde?
First State Bank of Uvalde's primary federal regulator is the FDIC.
How many branches does First State Bank of Uvalde operate?
It operates 8 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 Uvalde'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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