First State Bank of Odem
Odem, TX
IDRSSD: 776369
Total Assets
$201.28M
Latest filing
Total Deposits
$171.62M
Latest filing
Net Interest Margin
5.39%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank of Odem
201 Main St
Odem, TX 78370
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/12/1945FDIC Certificate 10518
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First State Bank of Odem (Main) | 201 Main St | Odem, TX |
| CALLICOATTE BRANCH | 4414 Callicoatte Rd | Corpus Christi, TX |
| ROBSTOWN BANKING CENTER BRANCH | 600 S Highway 77 | Robstown, TX |
| SINTON BRANCH | 310 S San Patricio St | Sinton, TX |
| CORPUS CHRISTI LPO | 4832 Holly Rd | Corpus Christi, TX |
Showing 4 of 4
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 | 36 |
| 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 | 01/30/2026 |
| CERT | 16334 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $201.28M |
| Total Deposits | $171.62M |
| Total Liabilities | $172.53M |
| Total Equity Capital | $28.75M |
| Net Income | $1.13M |
| Net Loans and Leases | $92.26M |
| Assets Per Employee ($Millions) | $5.92M |
| Bank Premises and Fixed Assets | $2.44M |
| Cash and Balances due from Depository Institutions | $38.47M |
| Deposits Held in Domestic Offices | $171.62M |
Key Performance Ratios
| Return on Assets (ROA) | 2.23% |
| Return on Equity (ROE) | 15.99% |
| Net Interest Margin | 5.39% |
| Efficiency Ratio | 50.51% |
| 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 | 14.285% |
| Earning Assets to total Assets | 94.09% |
Income and Expense
| Total Interest Income | $3.07M |
| Total Noninterest Income | $284.00k |
| Total Interest Expense | $495.00k |
| Total Noninterest Expense | $1.44M |
| Net Interest Income | $2.57M |
| Pre-tax Net Operating Income | $1.41M |
| Provision for Credit Losses | $0 |
| 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 | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $902.00k |
| Total Liabilities and Capital | $201.28M |
Securities
| Securities | $62.25M |
| Available-for-sale debt securities | $62.25M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$201.28M as of the latest filing.
How much are First State Bank of Odem's total deposits?
$171.62M in total deposits.
Where is First State Bank of Odem located?
Odem, TX.
What is the Net Interest Margin?
5.39%.
How many domestic offices does it operate?
5.
When was it established?
11/12/1945.
What is the Return on Assets (ROA)?
2.23%.
How much are total loans and leases?
$92.26M (latest filing).
What is the total interest income (latest filing)?
$3.07M.