First State Bank
Athens, TX
IDRSSD: 264455
Total Assets
$762.56M
Latest filing
Total Deposits
$673.52M
Latest filing
Net Interest Margin
4.59%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank
130 E Corsicana St
Athens, TX 75751
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/01/1935FDIC Certificate 9566
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First State Bank (Main) | 130 E Corsicana St | Athens, TX |
| MABANK BRANCH | 201 S 3rd St | Mabank, TX |
| TYLER STREET BRANCH | 1114 E Tyler St | Athens, TX |
| DRIVE-IN FACILITY | 202 S Palestine St | Athens, TX |
| MALAKOFF BRANCH | 200 W Royall Blvd | Malakoff, TX |
| GUN BARREL CITY BRANCH | 118 W Main St | Gun Barrel City, TX |
| CORSICANA BRANCH | 1600 W 2nd Ave | Corsicana, TX |
| FORNEY OFFICE BRANCH | 119 Fm 548 | Forney, TX |
Showing 7 of 7
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
Commerce Bank
Laredo, Texas
→
Assets: $736.50MΔ -0.4%
Southwest Bank
Odessa, Texas
→
Assets: $725.85MΔ -1.8%
Kleberg Bank, N.A.
Kingsville, Texas
→
Assets: $722.72MΔ -2.2%
Pilgrim Bank
Pittsburg, Texas
→
Assets: $721.28MΔ -2.4%
Grandview Bank
Grandview, Texas
→
Assets: $717.88MΔ -2.9%
Citizens 1st Bank
Tyler, Texas
→
Assets: $763.40MΔ +3.3%
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 | 125 |
| 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 | 01/30/2026 |
| CERT | 15206 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $762.56M |
| Total Deposits | $673.52M |
| Total Liabilities | $681.64M |
| Total Equity Capital | $80.92M |
| Net Income | $3.25M |
| Net Loans and Leases | $483.79M |
| Assets Per Employee ($Millions) | $6.05M |
| Bank Premises and Fixed Assets | $13.43M |
| Cash and Balances due from Depository Institutions | $48.21M |
| Deposits Held in Domestic Offices | $673.52M |
Key Performance Ratios
| Return on Assets (ROA) | 1.73% |
| Return on Equity (ROE) | 16.28% |
| Net Interest Margin | 4.59% |
| Efficiency Ratio | 56.34% |
| 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 | 10.612% |
| Earning Assets to total Assets | 95.24% |
Income and Expense
| Total Interest Income | $10.15M |
| Total Noninterest Income | $1.43M |
| Total Interest Expense | $1.96M |
| Total Noninterest Expense | $5.42M |
| Net Interest Income | $8.19M |
| Pre-tax Net Operating Income | $4.11M |
| Provision for Credit Losses | $88.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $49.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.52M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.11M |
| Total Liabilities and Capital | $762.56M |
Securities
| Securities | $198.97M |
| Available-for-sale debt securities | $198.97M |
| 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?
$762.56M as of the latest filing.
How much are First State Bank's total deposits?
$673.52M in total deposits.
Where is First State Bank located?
Athens, TX.
What is the Net Interest Margin?
4.59%.
How many domestic offices does it operate?
8.
When was it established?
05/01/1935.
What is the Return on Assets (ROA)?
1.73%.
How much are total loans and leases?
$483.79M (latest filing).
What is the total interest income (latest filing)?
$10.15M.