First State Bank
Paint Rock, TX
IDRSSD: 719964
Total Assets
$173.69M
Latest filing
Total Deposits
$148.20M
Latest filing
Net Interest Margin
3.91%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank
245 W Moss St
Paint Rock, TX 76866
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1910FDIC Certificate 11729
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First State Bank (Main) | 245 W Moss St | Paint Rock, TX |
| SAN ANGELO BRANCH | 402 Smith Blvd | San Angelo, 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 | 01/01/1910 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76866 |
| State and County Number | 48095 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| 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 | 13 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/01/2018 |
| Date of Deposit Insurance | 06/20/1957 |
| Primary Insurance Agency | DIF |
| Website | www.fsbpaintrock.com |
| Data Updated | 01/30/2026 |
| CERT | 17775 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $173.69M |
| Total Deposits | $148.20M |
| Total Liabilities | $149.96M |
| Total Equity Capital | $23.73M |
| Net Income | $872.00k |
| Net Loans and Leases | $58.77M |
| Assets Per Employee ($Millions) | $13.36M |
| Bank Premises and Fixed Assets | $314.00k |
| Cash and Balances due from Depository Institutions | $55.35M |
| Deposits Held in Domestic Offices | $148.20M |
Key Performance Ratios
| Return on Assets (ROA) | 2.04% |
| Return on Equity (ROE) | 14.87% |
| Net Interest Margin | 3.91% |
| Efficiency Ratio | 40.55% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.35% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.661% |
| Earning Assets to total Assets | 96.14% |
Income and Expense
| Total Interest Income | $2.09M |
| Total Noninterest Income | $112.00k |
| Total Interest Expense | $481.00k |
| Total Noninterest Expense | $697.00k |
| Net Interest Income | $1.61M |
| Pre-tax Net Operating Income | $872.00k |
| Provision for Credit Losses | $150.00k |
| 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 | $1.76M |
| Total Liabilities and Capital | $173.69M |
Securities
| Securities | $53.72M |
| Available-for-sale debt securities | $30.73M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $22.99M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First State Bank?
$173.69M as of the latest filing.
How much are First State Bank's total deposits?
$148.20M in total deposits.
Where is First State Bank located?
Paint Rock, TX.
What is the Net Interest Margin?
3.91%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1910.
What is the Return on Assets (ROA)?
2.04%.
How much are total loans and leases?
$58.77M (latest filing).
What is the total interest income (latest filing)?
$2.09M.