First State Bank and Trust Company
Carthage, TX
IDRSSD: 1012251
Total Assets
$541.90M
Latest filing
Total Deposits
$483.44M
Latest filing
Net Interest Margin
2.71%
Profitability
Key People
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Locations
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Main Office
First State Bank and Trust Company
110 W Panola St
Carthage, TX 75633
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/27/1902FDIC Certificate 7387
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| First State Bank and Trust Company (Main) | 110 W Panola St | Carthage, TX | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/27/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 75633 |
| State and County Number | 48365 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 52 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fsbcarthage.com |
| Data Updated | 01/30/2026 |
| CERT | 11559 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $541.90M |
| Total Deposits | $483.44M |
| Total Liabilities | $487.26M |
| Total Equity Capital | $54.65M |
| Net Income | $927.00k |
| Net Loans and Leases | $179.49M |
| Assets Per Employee ($Millions) | $10.42M |
| Bank Premises and Fixed Assets | $3.22M |
| Cash and Balances due from Depository Institutions | $30.12M |
| Deposits Held in Domestic Offices | $483.44M |
Key Performance Ratios
| Return on Assets (ROA) | 0.69% |
| Return on Equity (ROE) | 6.82% |
| Net Interest Margin | 2.71% |
| Efficiency Ratio | 62.36% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.34% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.084% |
| Earning Assets to total Assets | 92.8% |
Income and Expense
| Total Interest Income | $5.54M |
| Total Noninterest Income | $832.00k |
| Total Interest Expense | $2.17M |
| Total Noninterest Expense | $2.62M |
| Net Interest Income | $3.37M |
| Pre-tax Net Operating Income | $1.13M |
| Provision for Credit Losses | $450.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $101.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.81M |
| Total Liabilities and Capital | $541.90M |
Securities
| Securities | $299.01M |
| Available-for-sale debt securities | $237.32M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $61.69M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First State Bank and Trust Company?
$541.90M as of the latest filing.
How much are First State Bank and Trust Company's total deposits?
$483.44M in total deposits.
Where is First State Bank and Trust Company located?
Carthage, TX.
What is the Net Interest Margin?
2.71%.
How many domestic offices does it operate?
1.
When was it established?
02/27/1902.
What is the Return on Assets (ROA)?
0.69%.
How much are total loans and leases?
$179.49M (latest filing).
What is the total interest income (latest filing)?
$5.54M.