First State Bank
Gainesville, TX
IDRSSD: 435750
Total Assets
$1.82B
Latest filing
Total Deposits
$1.63B
Latest filing
Net Interest Margin
4.13%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank
801 E California St
Gainesville, TX 76240
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/16/1905FDIC Certificate 9810
Branches (13)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First State Bank (Main) | 801 E California St | Gainesville, TX |
| NORTH TEXAS BRANCH | 808 E Highway 82 | Gainesville, TX |
| MUENSTER BRANCH | 519 E Division St | Muenster, TX |
| LAKE KIOWA BRANCH | 6586 Fm 902 | Gainesville, TX |
| DENTON BRANCH | 400 W Oak St | Denton, TX |
| NORTH TEXAS BANK BRANCH | 661 W Thompson St | Decatur, TX |
| SAINT JO BRANCH | 108 E. Howell Street | Saint Jo, TX |
| ROANOKE BRANCH | 211 S Oak St | Roanoke, TX |
Showing 7 of 13
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 08/16/1905 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76240 |
| State and County Number | 48097 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Gainesville, TX |
Operational Info
| Number of Employees | 270 |
| Domestic Offices | 14 |
| 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 | 07/09/1937 |
| Primary Insurance Agency | DIF |
| Website | http://www.firststate.bank |
| Data Updated | 01/30/2026 |
| CERT | 15511 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.82B |
| Total Deposits | $1.63B |
| Total Liabilities | $1.67B |
| Total Equity Capital | $152.61M |
| Net Income | $3.96M |
| Net Loans and Leases | $984.09M |
| Assets Per Employee ($Millions) | $6.49M |
| Bank Premises and Fixed Assets | $95.87M |
| Cash and Balances due from Depository Institutions | $38.24M |
| Deposits Held in Domestic Offices | $1.63B |
Key Performance Ratios
| Return on Assets (ROA) | 0.87% |
| Return on Equity (ROE) | 10.6% |
| Net Interest Margin | 4.13% |
| Efficiency Ratio | 77.74% |
| Tier 1 Risk-Based Capital Ratio | 13.394% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.374% |
| Earning Assets to total Assets | 90.5% |
Income and Expense
| Total Interest Income | $23.65M |
| Total Noninterest Income | $3.60M |
| Total Interest Expense | $6.51M |
| Total Noninterest Expense | $16.12M |
| Net Interest Income | $17.13M |
| Pre-tax Net Operating Income | $4.54M |
| Provision for Credit Losses | $75.00k |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $39.04M |
| Total Liabilities and Capital | $1.82B |
Securities
| Securities | $647.71M |
| Available-for-sale debt securities | $647.71M |
| 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?
$1.82B as of the latest filing.
How much are First State Bank's total deposits?
$1.63B in total deposits.
Where is First State Bank located?
Gainesville, TX.
What is the Net Interest Margin?
4.13%.
How many domestic offices does it operate?
14.
When was it established?
08/16/1905.
What is the Return on Assets (ROA)?
0.87%.
How much are total loans and leases?
$984.09M (latest filing).
What is the total interest income (latest filing)?
$23.65M.