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 First State Bank of Odem
First State Bank of Odem
| RSSD ID 776369 | CERTIFICATE 16334 | ABA NUMBER 114922265 |
| 201 Main St |
Quarter Ended : |
2025-12-31 |
| Odem, Texas, 78370 |
Updated : |
2026-01-27 |
| www.fsbodem.com |
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| Institution Profile |
| Year Opened : |
1945 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
5 |
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 | 201,279 |
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Total Interest Income | 12,552 |
| Total Liabilities | 172,526 |
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Total NonInterest Income | 1,110 |
| Total Bank Equity Capital | 28,753 |
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Total Interest Expense | 2,004 |
| Total Deposits | 171,624 |
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Total NonInterest Expense | 5,911 |
| Net Loans & Leases | 92,263 |
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Net Income | 4,413 |
| Loan Loss Allowance | 2,567 |
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Net Charge Offs | 19 |
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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 | 93,814 |
| Total assets for the leverage ratio | 204,960 |
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Loans secured by real estate: | 60,376 |
| Tier 1 Leverage Ratio | 13.85 |
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Commercial and industrial loans | 28,277 |
| Off Balance Sheet Exposures (%) | 10.95 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 2,737 |
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:· First State Bank of Odem
