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First State Bank

Gainesville, TX
IDRSSD: 435750
Total Assets
$1.84B
Latest filing
Total Deposits
$1.65B
Latest filing
Net Interest Margin
3.86%
Profitability
0

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 ClassCommercial bank, state charter, Fed member, supervised by FRB
Primary RegulatorFED
Established Date08/16/1905
Community BankYes
Ownership TypeNot Mutual
ZIP76240
State and County Number48097
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number11
Numeric code13
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameGainesville, TX

Operational Info

Number of Employees268
Domestic Offices14
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance07/09/1937
Primary Insurance AgencyDIF
Websitehttp://www.firststate.bank
Data Updated11/14/2025
CERT15511
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$1.84B
Total Deposits$1.65B
Total Liabilities$1.69B
Total Equity Capital$146.28M
Net Income$-329,000
Net Loans and Leases$973.07M
Assets Per Employee ($Millions)$6.81M
Bank Premises and Fixed Assets$92.66M
Cash and Balances due from Depository Institutions$60.67M
Deposits Held in Domestic Offices$1.65B

Key Performance Ratios

Return on Assets (ROA)-0.07%
Return on Equity (ROE)-0.94%
Net Interest Margin3.86%
Efficiency Ratio68.71%
Tier 1 Risk-Based Capital Ratio13.433%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.02%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets7.955%
Earning Assets to total Assets90.72%

Income and Expense

Total Interest Income$22.50M
Total Noninterest Income$4.90M
Total Interest Expense$6.57M
Total Noninterest Expense$14.32M
Net Interest Income$15.94M
Pre-tax Net Operating Income$6.45M
Provision for Credit Losses$75.00k
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$39.45M
Total Liabilities and Capital$1.84B

Securities

Securities$656.16M
Available-for-sale debt securities$656.16M
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?
$1.84B as of the latest filing.
How much are First State Bank's total deposits?
$1.65B in total deposits.
Where is First State Bank located?
Gainesville, TX.
What is the Net Interest Margin?
3.86%.
How many domestic offices does it operate?
14.
When was it established?
08/16/1905.
What is the Return on Assets (ROA)?
-0.07%.
How much are total loans and leases?
$973.07M (latest filing).
What is the total interest income (latest filing)?
$22.50M.