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First State Bank of Texas

Orange, TX
IDRSSD: 190563
Total Assets
$357.20M
Latest filing
Total Deposits
$318.52M
Latest filing
Net Interest Margin
4.99%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date08/12/1914
Community BankYes
Ownership TypeNot Mutual
ZIP77630
State and County Number48361
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number11
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameBeaumont-Port Arthur, TX

Operational Info

Number of Employees66
Domestic Offices6
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date04/30/2020
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.fsboftx.com
Data Updated11/14/2025
CERT11922
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$357.20M
Total Deposits$318.52M
Total Liabilities$321.21M
Total Equity Capital$36.00M
Net Income$466.00k
Net Loans and Leases$235.53M
Assets Per Employee ($Millions)$5.5M
Bank Premises and Fixed Assets$9.28M
Cash and Balances due from Depository Institutions$29.79M
Deposits Held in Domestic Offices$318.52M

Key Performance Ratios

Return on Assets (ROA)0.53%
Return on Equity (ROE)5.33%
Net Interest Margin4.99%
Efficiency Ratio71.19%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.84%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets10.077%
Earning Assets to total Assets92.51%

Income and Expense

Total Interest Income$5.90M
Total Noninterest Income$290.00k
Total Interest Expense$1.81M
Total Noninterest Expense$3.16M
Net Interest Income$4.09M
Pre-tax Net Operating Income$466.00k
Provision for Credit Losses$748.00k
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$2.69M
Total Liabilities and Capital$357.20M

Securities

Securities$70.68M
Available-for-sale debt securities$52.85M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$17.83M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of First State Bank of Texas?
$357.20M as of the latest filing.
How much are First State Bank of Texas's total deposits?
$318.52M in total deposits.
Where is First State Bank of Texas located?
Orange, TX.
What is the Net Interest Margin?
4.99%.
How many domestic offices does it operate?
6.
When was it established?
08/12/1914.
What is the Return on Assets (ROA)?
0.53%.
How much are total loans and leases?
$235.53M (latest filing).
What is the total interest income (latest filing)?
$5.90M.