First State Bank
Athens, TX
IDRSSD: 264455
Total Assets
$739.28M
Latest filing
Total Deposits
$652.16M
Latest filing
Net Interest Margin
4.37%
Profitability
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Kleberg Bank, N.A.
Kingsville, Texas
→
Assets: $717.06MΔ +0.0%
Pilgrim Bank
Pittsburg, Texas
→
Assets: $720.65MΔ +0.5%
Southwest Bank
Odessa, Texas
→
Assets: $726.72MΔ +1.4%
The First National Bank of Sonora
Sonora, Texas
→
Assets: $694.28MΔ -3.2%
Sage Capital Bank,
Gonzales, Texas
→
Assets: $690.83MΔ -3.7%
Texas Gulf Bank, National Association
Houston, Texas
→
Assets: $690.44MΔ -3.7%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/01/1935 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 75751 |
| State and County Number | 48213 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Not Granted |
| 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 | Athens, TX |
Operational Info
| Number of Employees | 122 |
| 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 | 06/28/1935 |
| Primary Insurance Agency | DIF |
| Website | www.bankfsb.com |
| Data Updated | 11/14/2025 |
| CERT | 15206 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $739.28M |
| Total Deposits | $652.16M |
| Total Liabilities | $660.48M |
| Total Equity Capital | $78.81M |
| Net Income | $2.87M |
| Net Loans and Leases | $492.21M |
| Assets Per Employee ($Millions) | $5.91M |
| Bank Premises and Fixed Assets | $13.07M |
| Cash and Balances due from Depository Institutions | $47.65M |
| Deposits Held in Domestic Offices | $652.16M |
Key Performance Ratios
| Return on Assets (ROA) | 1.58% |
| Return on Equity (ROE) | 14.98% |
| Net Interest Margin | 4.37% |
| Efficiency Ratio | 57.97% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.66% |
| Earning Assets to total Assets | 94.97% |
Income and Expense
| Total Interest Income | $9.59M |
| Total Noninterest Income | $1.28M |
| Total Interest Expense | $2.04M |
| Total Noninterest Expense | $5.11M |
| Net Interest Income | $7.54M |
| Pre-tax Net Operating Income | $3.62M |
| Provision for Credit Losses | $88.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $49.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.31M |
| Total Liabilities and Capital | $739.28M |
Securities
| Securities | $171.22M |
| Available-for-sale debt securities | $171.22M |
| 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?
$739.28M as of the latest filing.
How much are First State Bank's total deposits?
$652.16M in total deposits.
Where is First State Bank located?
Athens, TX.
What is the Net Interest Margin?
4.37%.
How many domestic offices does it operate?
8.
When was it established?
05/01/1935.
What is the Return on Assets (ROA)?
1.58%.
How much are total loans and leases?
$492.21M (latest filing).
What is the total interest income (latest filing)?
$9.59M.