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 First State Bank
First State Bank
| RSSD ID 524766 | CERTIFICATE 18301 | ABA NUMBER 111323689 |
| One Commerce Park |
Quarter Ended : |
2025-12-31 |
| Shallowater, Texas, 79363 |
Updated : |
2026-02-09 |
| www.fsbshallowater.com |
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| Institution Profile |
| Year Opened : |
1960 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
Yes |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
5 |
Number of Employees : |
36 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 146,655 |
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Total Interest Income | 9,903 |
| Total Liabilities | 120,464 |
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Total NonInterest Income | 399 |
| Total Bank Equity Capital | 26,191 |
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Total Interest Expense | 2,848 |
| Total Deposits | 119,041 |
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Total NonInterest Expense | 5,423 |
| Net Loans & Leases | 89,726 |
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Net Income | 2,031 |
| Loan Loss Allowance | 1,509 |
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Net Charge Offs | 44 |
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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 | 75,123 |
| Total assets for the leverage ratio | 129,048 |
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Loans secured by real estate: | 67,433 |
| Tier 1 Leverage Ratio | 18.15 |
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Commercial and industrial loans | 11,655 |
| Off Balance Sheet Exposures (%) | 11.58 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 1,749 |
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:· First State Bank
