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 First State Bank
First State Bank
| RSSD ID 407168 | CERTIFICATE 1218 | ABA NUMBER 111317844 |
| 1 Ne Court St |
Quarter Ended : |
2025-09-30 |
| Spearman, Texas, 79081 |
Updated : |
2025-10-28 |
| www.fsbtx.com |
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| 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 : |
33 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 185,278 |
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Total Interest Income | 9,108 |
| Total Liabilities | 163,222 |
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Total NonInterest Income | 453 |
| Total Bank Equity Capital | 22,056 |
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Total Interest Expense | 3,457 |
| Total Deposits | 162,025 |
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Total NonInterest Expense | 3,556 |
| Net Loans & Leases | 148,816 |
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Net Income | 2,292 |
| Loan Loss Allowance | 1,684 |
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Net Charge Offs | 297 |
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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 | 139,557 |
| Total assets for the leverage ratio | 178,347 |
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Loans secured by real estate: | 74,250 |
| Tier 1 Leverage Ratio | 12.36 |
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Commercial and industrial loans | 25,365 |
| Off Balance Sheet Exposures (%) | 11.22 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 2,553 |
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:· sec commercial banks, not elsewhere classified :· First State Bank
