First State Bank of Odem
Odem, TX
IDRSSD: 776369
Total Assets
$204.46M
Latest filing
Total Deposits
$175.16M
Latest filing
Net Interest Margin
5.55%
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 | 11/12/1945 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 78370 |
| State and County Number | 48409 |
| Subchapter S Corporations | No |
| 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 | Corpus Christi, TX |
Operational Info
| Number of Employees | 33 |
| Domestic Offices | 5 |
| 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 | 11/12/1945 |
| Primary Insurance Agency | DIF |
| Website | www.fsbodem.com |
| Data Updated | 11/14/2025 |
| CERT | 16334 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $204.46M |
| Total Deposits | $175.16M |
| Total Liabilities | $176.54M |
| Total Equity Capital | $27.92M |
| Net Income | $821.00k |
| Net Loans and Leases | $92.78M |
| Assets Per Employee ($Millions) | $5.68M |
| Bank Premises and Fixed Assets | $2.46M |
| Cash and Balances due from Depository Institutions | $49.04M |
| Deposits Held in Domestic Offices | $175.16M |
Key Performance Ratios
| Return on Assets (ROA) | 1.61% |
| Return on Equity (ROE) | 10.44% |
| Net Interest Margin | 5.55% |
| Efficiency Ratio | 50.07% |
| 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 | 13.656% |
| Earning Assets to total Assets | 94.28% |
Income and Expense
| Total Interest Income | $3.19M |
| Total Noninterest Income | $297.00k |
| Total Interest Expense | $515.00k |
| Total Noninterest Expense | $1.49M |
| Net Interest Income | $2.67M |
| Pre-tax Net Operating Income | $1.48M |
| 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 | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.38M |
| Total Liabilities and Capital | $204.46M |
Securities
| Securities | $54.22M |
| Available-for-sale debt securities | $54.22M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First State Bank of Odem?
$204.46M as of the latest filing.
How much are First State Bank of Odem's total deposits?
$175.16M in total deposits.
Where is First State Bank of Odem located?
Odem, TX.
What is the Net Interest Margin?
5.55%.
How many domestic offices does it operate?
5.
When was it established?
11/12/1945.
What is the Return on Assets (ROA)?
1.61%.
How much are total loans and leases?
$92.78M (latest filing).
What is the total interest income (latest filing)?
$3.19M.