First State Bank
Graham, TX
IDRSSD: 216164
Total Assets
$289.13M
Latest filing
Total Deposits
$256.42M
Latest filing
Net Interest Margin
3.78%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank
1526 4th St
Graham, TX 76450
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/26/1983FDIC Certificate 17025
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First State Bank (Main) | 1526 4th St | Graham, TX |
| THROCKMORTON BRANCH | 147 N Minter Ave | Throckmorton, TX |
| HIGHWAY 183 BRANCH | 101 Ushwy 183 South | Woodson, TX |
| JACKSBORO BRANCH | 1220 N Main St | Jacksboro, TX |
| OLNEY BRANCH | 106 State Highway 79 N | Olney, TX |
| GRAHAM BRANCH | 1300 State Highway 16 S | Graham, TX |
| GRAHAM LPO | 1525 4th St | Graham, TX |
| FIRST STATE BANK | 201 South Center Street | Archer City, TX |
Showing 7 of 7
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 | 05/26/1983 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76450 |
| State and County Number | 48503 |
| 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 | 52 |
| Domestic Offices | 8 |
| 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 | 05/26/1983 |
| Primary Insurance Agency | DIF |
| Website | www.fsbgraham.bank |
| Data Updated | 11/14/2025 |
| CERT | 24498 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $289.13M |
| Total Deposits | $256.42M |
| Total Liabilities | $264.42M |
| Total Equity Capital | $24.71M |
| Net Income | $936.00k |
| Net Loans and Leases | $163.09M |
| Assets Per Employee ($Millions) | $5.56M |
| Bank Premises and Fixed Assets | $3.04M |
| Cash and Balances due from Depository Institutions | $53.26M |
| Deposits Held in Domestic Offices | $256.42M |
Key Performance Ratios
| Return on Assets (ROA) | 1.31% |
| Return on Equity (ROE) | 15.75% |
| Net Interest Margin | 3.78% |
| Efficiency Ratio | 64.98% |
| Tier 1 Risk-Based Capital Ratio | 16.463% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.546% |
| Earning Assets to total Assets | 93.62% |
Income and Expense
| Total Interest Income | $3.77M |
| Total Noninterest Income | $424.00k |
| Total Interest Expense | $1.22M |
| Total Noninterest Expense | $1.93M |
| Net Interest Income | $2.54M |
| Pre-tax Net Operating Income | $936.00k |
| Provision for Credit Losses | $103.00k |
| 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 | $5.70M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $100.00k |
| All Other Liabilities | $2.21M |
| Total Liabilities and Capital | $289.13M |
Securities
| Securities | $60.57M |
| Available-for-sale debt securities | $60.57M |
| 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?
$289.13M as of the latest filing.
How much are First State Bank's total deposits?
$256.42M in total deposits.
Where is First State Bank located?
Graham, TX.
What is the Net Interest Margin?
3.78%.
How many domestic offices does it operate?
8.
When was it established?
05/26/1983.
What is the Return on Assets (ROA)?
1.31%.
How much are total loans and leases?
$163.09M (latest filing).
What is the total interest income (latest filing)?
$3.77M.