First State Bank
Stratford, TX
IDRSSD: 410560
Total Assets
$351.21M
Latest filing
Total Deposits
$308.67M
Latest filing
Net Interest Margin
3.87%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank
302 North Main Street
Stratford, TX 79084
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/26/1948FDIC Certificate 10819
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First State Bank (Main) | 302 North Main Street | Stratford, TX |
| DALHART OFFICE | 1601 E 16th St | Dalhart, TX |
| DUMAS OFFICE | 500 E 1st St | Dumas, TX |
Showing 2 of 2
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 | 04/26/1948 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 79084 |
| State and County Number | 48421 |
| Subchapter S Corporations | Yes |
| 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 | N/A |
Operational Info
| Number of Employees | 38 |
| Domestic Offices | 3 |
| 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 | 04/26/1948 |
| Primary Insurance Agency | DIF |
| Website | www.firstclassbanking.com |
| Data Updated | 11/14/2025 |
| CERT | 16695 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $351.21M |
| Total Deposits | $308.67M |
| Total Liabilities | $310.59M |
| Total Equity Capital | $40.62M |
| Net Income | $2.13M |
| Net Loans and Leases | $217.85M |
| Assets Per Employee ($Millions) | $9.01M |
| Bank Premises and Fixed Assets | $2.60M |
| Cash and Balances due from Depository Institutions | $32.93M |
| Deposits Held in Domestic Offices | $308.67M |
Key Performance Ratios
| Return on Assets (ROA) | 2.44% |
| Return on Equity (ROE) | 21.7% |
| Net Interest Margin | 3.87% |
| Efficiency Ratio | 43.03% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.565% |
| Earning Assets to total Assets | 95.61% |
Income and Expense
| Total Interest Income | $4.70M |
| Total Noninterest Income | $537.00k |
| Total Interest Expense | $1.49M |
| Total Noninterest Expense | $1.61M |
| Net Interest Income | $3.21M |
| Pre-tax Net Operating Income | $2.13M |
| Provision for Credit Losses | $0 |
| 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 | $1.92M |
| Total Liabilities and Capital | $351.21M |
Securities
| Securities | $92.63M |
| Available-for-sale debt securities | $92.63M |
| 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?
$351.21M as of the latest filing.
How much are First State Bank's total deposits?
$308.67M in total deposits.
Where is First State Bank located?
Stratford, TX.
What is the Net Interest Margin?
3.87%.
How many domestic offices does it operate?
3.
When was it established?
04/26/1948.
What is the Return on Assets (ROA)?
2.44%.
How much are total loans and leases?
$217.85M (latest filing).
What is the total interest income (latest filing)?
$4.70M.