First State Bank and Trust Company

BankCarthage, Texas
www.fsbcarthage.com

Total Assets

$541.9M

Total Deposits

$483.4M

Branches

1

Established

1902

TFS Health Grade

$
F

54.0 / 100

Poor financial health

How we grade

First State Bank and Trust Company is a bank headquartered in Carthage, Texas, established in 1902. With $541.9M in total assets and 1 branch locations, it has a TFS Financial Health Grade of F (54.0/100).

Capital & Safety

Tier 1 Capital Ratio
14.44%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
2.02%

Profitability

Return on Assets (ROA)
0.64%(1%)
Return on Equity (ROE)
6.93%(10%)
Net Interest Margin
2.43%
Efficiency Ratio
69.11%(60%)

Lending & Liquidity

Total Loans
$181.2M
Loan-to-Deposit Ratio
37.13%
Net Charge-Off Ratio
0.14%

Growth

Asset Growth (YoY)
+0.12%
Deposit Growth (YoY)
+6.32%
Net Income
$3.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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