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 First State Bank
First State Bank
| RSSD ID 407168 | CERTIFICATE 1218 | ABA NUMBER 111317844 |
| 1 Ne Court St |
Quarter Ended : |
2025-12-31 |
| Spearman, Texas, 79081 |
Updated : |
2026-02-06 |
| Institution Profile |
| Year Opened : |
1917 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
Yes |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Agricultural Specialization |
| Number of Offices : |
2 |
Number of Employees : |
34 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 179,669 |
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Total Interest Income | 12,106 |
| Total Liabilities | 157,086 |
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Total NonInterest Income | 611 |
| Total Bank Equity Capital | 22,583 |
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Total Interest Expense | 4,514 |
| Total Deposits | 148,878 |
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Total NonInterest Expense | 4,659 |
| Net Loans & Leases | 143,697 |
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Net Income | 3,064 |
| Loan Loss Allowance | 1,808 |
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Net Charge Offs | 235 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 136,218 |
| Total assets for the leverage ratio | 175,618 |
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Loans secured by real estate: | 71,158 |
| Tier 1 Leverage Ratio | 12.84 |
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Commercial and industrial loans | 24,860 |
| Off Balance Sheet Exposures (%) | 11.3 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 2,766 |
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:· First State Bank
