First State Bank of Ben Wheeler, Texas
Ben Wheeler, TX
IDRSSD: 31657
Total Assets
$181.47M
Latest filing
Total Deposits
$153.20M
Latest filing
Net Interest Margin
3.13%
Profitability
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 | 02/17/1911 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 75754 |
| State and County Number | 48467 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| 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 | 36 |
| Domestic Offices | 4 |
| 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.fsbbenwheeler.com |
| Data Updated | 11/14/2025 |
| CERT | 11904 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $181.47M |
| Total Deposits | $153.20M |
| Total Liabilities | $153.37M |
| Total Equity Capital | $28.10M |
| Net Income | $590.00k |
| Net Loans and Leases | $67.94M |
| Assets Per Employee ($Millions) | $5.67M |
| Bank Premises and Fixed Assets | $1.35M |
| Cash and Balances due from Depository Institutions | $2.64M |
| Deposits Held in Domestic Offices | $153.20M |
Key Performance Ratios
| Return on Assets (ROA) | 1.3% |
| Return on Equity (ROE) | 8.46% |
| Net Interest Margin | 3.13% |
| Efficiency Ratio | 64.61% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.485% |
| Earning Assets to total Assets | 94.45% |
Income and Expense
| Total Interest Income | $1.86M |
| Total Noninterest Income | $323.00k |
| Total Interest Expense | $521.00k |
| Total Noninterest Expense | $1.08M |
| Net Interest Income | $1.34M |
| Pre-tax Net Operating Income | $546.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $3.54M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $166.00k |
| Total Liabilities and Capital | $181.47M |
Securities
| Securities | $99.92M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $99.92M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First State Bank of Ben Wheeler, Texas?
$181.47M as of the latest filing.
How much are First State Bank of Ben Wheeler, Texas's total deposits?
$153.20M in total deposits.
Where is First State Bank of Ben Wheeler, Texas located?
Ben Wheeler, TX.
What is the Net Interest Margin?
3.13%.
How many domestic offices does it operate?
4.
When was it established?
02/17/1911.
What is the Return on Assets (ROA)?
1.3%.
How much are total loans and leases?
$67.94M (latest filing).
What is the total interest income (latest filing)?
$1.86M.