First State Bank
Clute, TX
IDRSSD: 796152
Total Assets
$422.36M
Latest filing
Total Deposits
$378.68M
Latest filing
Net Interest Margin
4.49%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank
200 Brazosport Blvd N
Clute, TX 77531
Full Service - Brick and Mortar
Updated 11/14/2025Established 10/16/1958FDIC Certificate 11883
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First State Bank (Main) | 200 Brazosport Blvd N | Clute, TX |
| LAKE JACKSON BRANCH | 490 This Way St | Lake Jackson, TX |
| MANVEL BRANCH | 19323 Highway 6 | Manvel, 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 | 10/16/1958 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 77531 |
| State and County Number | 48039 |
| 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 | Houston-The Woodlands-Sugar Land, TX |
Operational Info
| Number of Employees | 56 |
| 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 | 01/02/1959 |
| Primary Insurance Agency | DIF |
| Website | www.bankatfsb.com |
| Data Updated | 11/14/2025 |
| CERT | 17950 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $422.36M |
| Total Deposits | $378.68M |
| Total Liabilities | $382.63M |
| Total Equity Capital | $39.73M |
| Net Income | $2.12M |
| Net Loans and Leases | $311.99M |
| Assets Per Employee ($Millions) | $7.28M |
| Bank Premises and Fixed Assets | $1.77M |
| Cash and Balances due from Depository Institutions | $49.54M |
| Deposits Held in Domestic Offices | $378.68M |
Key Performance Ratios
| Return on Assets (ROA) | 2.03% |
| Return on Equity (ROE) | 21.79% |
| Net Interest Margin | 4.49% |
| Efficiency Ratio | 50.67% |
| Tier 1 Risk-Based Capital Ratio | 14.066% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.4% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.407% |
| Earning Assets to total Assets | 95.43% |
Income and Expense
| Total Interest Income | $6.49M |
| Total Noninterest Income | $701.00k |
| Total Interest Expense | $2.04M |
| Total Noninterest Expense | $2.61M |
| Net Interest Income | $4.44M |
| Pre-tax Net Operating Income | $2.12M |
| Provision for Credit Losses | $419.00k |
| 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 | $6.63M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.95M |
| Total Liabilities and Capital | $422.36M |
Securities
| Securities | $41.90M |
| Available-for-sale debt securities | $38.90M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $3.00M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First State Bank?
$422.36M as of the latest filing.
How much are First State Bank's total deposits?
$378.68M in total deposits.
Where is First State Bank located?
Clute, TX.
What is the Net Interest Margin?
4.49%.
How many domestic offices does it operate?
3.
When was it established?
10/16/1958.
What is the Return on Assets (ROA)?
2.03%.
How much are total loans and leases?
$311.99M (latest filing).
What is the total interest income (latest filing)?
$6.49M.