First State Bank of Ben Wheeler, Texas
Ben Wheeler, TX
IDRSSD: 31657
Total Assets
$184.27M
Latest filing
Total Deposits
$156.45M
Latest filing
Net Interest Margin
3.17%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank of Ben Wheeler, Texas
14269 State Highway 64
Ben Wheeler, TX 75754
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/17/1911FDIC Certificate 7602
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First State Bank of Ben Wheeler, Texas (Main) | 14269 State Highway 64 | Ben Wheeler, TX |
| EDOM BRANCH | 8159 Fm Road 279 | Ben Wheeler, TX |
| CANTON BRANCH | 17588 State Highway 19 | Canton, TX |
| EDGEWOOD BRANCH | 404 Hwy 80 W | Edgewood, TX |
Showing 3 of 3
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 | 02/17/1911 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 75754 |
| State and County Number | 48467 |
| 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 | 32 |
| Domestic Offices | 4 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fsbbenwheeler.com |
| Data Updated | 01/30/2026 |
| CERT | 11904 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $184.27M |
| Total Deposits | $156.45M |
| Total Liabilities | $156.56M |
| Total Equity Capital | $27.71M |
| Net Income | $376.00k |
| Net Loans and Leases | $68.22M |
| Assets Per Employee ($Millions) | $6.14M |
| Bank Premises and Fixed Assets | $1.31M |
| Cash and Balances due from Depository Institutions | $3.50M |
| Deposits Held in Domestic Offices | $156.45M |
Key Performance Ratios
| Return on Assets (ROA) | 0.82% |
| Return on Equity (ROE) | 5.39% |
| Net Interest Margin | 3.17% |
| Efficiency Ratio | 73.79% |
| 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 | 15.038% |
| Earning Assets to total Assets | 94.04% |
Income and Expense
| Total Interest Income | $1.92M |
| Total Noninterest Income | $350.00k |
| Total Interest Expense | $553.00k |
| Total Noninterest Expense | $1.27M |
| Net Interest Income | $1.37M |
| Pre-tax Net Operating Income | $332.00k |
| Provision for Credit Losses | $0 |
| 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 | $5.63M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $111.00k |
| Total Liabilities and Capital | $184.27M |
Securities
| Securities | $99.43M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $99.43M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First State Bank of Ben Wheeler, Texas?
$184.27M as of the latest filing.
How much are First State Bank of Ben Wheeler, Texas's total deposits?
$156.45M in total deposits.
Where is First State Bank of Ben Wheeler, Texas located?
Ben Wheeler, TX.
What is the Net Interest Margin?
3.17%.
How many domestic offices does it operate?
4.
When was it established?
02/17/1911.
What is the Return on Assets (ROA)?
0.82%.
How much are total loans and leases?
$68.22M (latest filing).
What is the total interest income (latest filing)?
$1.92M.