First State Bank
Spearman, TX
IDRSSD: 407168
Total Assets
$179.64M
Latest filing
Total Deposits
$148.88M
Latest filing
Net Interest Margin
4.54%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank
1 Ne Court St
Spearman, TX 79081
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1917FDIC Certificate 836
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First State Bank (Main) | 1 Ne Court St | Spearman, TX |
| DOWNTOWN AMARILLO BRANCH | 112 Sw 8th Avenue | Amarillo, TX |
Showing 1 of 1
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 | 01/01/1917 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 79081 |
| State and County Number | 48195 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers 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 | N/A |
Operational Info
| Number of Employees | 33 |
| Domestic Offices | 2 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fsbtx.com |
| Data Updated | 01/30/2026 |
| CERT | 1218 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $179.64M |
| Total Deposits | $148.88M |
| Total Liabilities | $156.93M |
| Total Equity Capital | $22.71M |
| Net Income | $897.00k |
| Net Loans and Leases | $143.67M |
| Assets Per Employee ($Millions) | $5.28M |
| Bank Premises and Fixed Assets | $376.00k |
| Cash and Balances due from Depository Institutions | $19.23M |
| Deposits Held in Domestic Offices | $148.88M |
Key Performance Ratios
| Return on Assets (ROA) | 1.97% |
| Return on Equity (ROE) | 16.03% |
| Net Interest Margin | 4.54% |
| Efficiency Ratio | 52.55% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.2% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.641% |
| Earning Assets to total Assets | 92.21% |
Income and Expense
| Total Interest Income | $3.00M |
| Total Noninterest Income | $158.00k |
| Total Interest Expense | $1.06M |
| Total Noninterest Expense | $1.10M |
| Net Interest Income | $1.94M |
| Pre-tax Net Operating Income | $906.00k |
| Provision for Credit Losses | $90.00k |
| 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 | $42.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $7.00M |
| All Other Liabilities | $1.01M |
| Total Liabilities and Capital | $179.64M |
Securities
| Securities | $11.85M |
| Available-for-sale debt securities | $11.79M |
| 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?
$179.64M as of the latest filing.
How much are First State Bank's total deposits?
$148.88M in total deposits.
Where is First State Bank located?
Spearman, TX.
What is the Net Interest Margin?
4.54%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1917.
What is the Return on Assets (ROA)?
1.97%.
How much are total loans and leases?
$143.67M (latest filing).
What is the total interest income (latest filing)?
$3.00M.