What is First State Bank's financial health grade?

First State Bank has a TFS Financial Health Grade of D+ (score: 68.1/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First State Bank have?

First State Bank has 14 branch locations across the United States.

Is First State Bank FDIC insured?

Yes, First State Bank is FDIC insured (Certificate #15511).

What are the total assets of First State Bank?

First State Bank has total assets of $1.8B as reported in its most recent FDIC filing.

First State Bank

BankGainesville, Texas

http://www.firststate.bank

Total Assets

$1.8B

Total Deposits

$1.6B

Branches

Established

1905

TFS Health Grade

D+

68.1 / 100

Below average financial health

How we grade

First State Bank is a bank headquartered in Gainesville, Texas, established in 1905. With $1.8B in total assets and 14 branch locations, it has a TFS Financial Health Grade of D+ (68.1/100).

Capital & Safety

Tier 1 Capital Ratio

9.38%(8%)

Total Capital Ratio

14.43%(10%)

Non-Performing Loan Ratio

0.89%

Profitability

Return on Assets (ROA)

1.18%(1%)

Return on Equity (ROE)

16.25%(10%)

Net Interest Margin

3.67%

Efficiency Ratio

62.37%(60%)

Lending & Liquidity

Total Loans

$997.7M

Loan-to-Deposit Ratio

60.34%

Net Charge-Off Ratio

0.75%

Growth

Asset Growth (YoY)

+3.32%

Deposit Growth (YoY)

-1.31%

Net Income

$21.2M

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.

Branch	Address	City	State	Type
First State BankHQ	801 E California St	Gainesville	TX	11
First State Bank	433 S Preston Rd	Celina	TX	11
First State Bank	661 W Thompson St	Decatur	TX	11
First State Bank	3427 W Fm 120	Denison	TX	11
First State Bank	400 W Oak St	Denton	TX	11
First State Bank	2430 W University Dr	Denton	TX	11
First State Bank	808 E Highway 82	Gainesville	TX	11
First State Bank	6586 Fm 902	Gainesville	TX	11
First State Bank	519 E Division St	Muenster	TX	11
First State Bank	211 S Oak St	Roanoke	TX	11
First State Bank	108 E. Howell Street	Saint Jo	TX	11
First State Bank	2315 North Highway 75	Sherman	TX	11
First State Bank	719 North New Road	Waco	TX	11
First State Bank	542 Highway 377 N	Whitesboro	TX	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.