What is First State Bank's financial health grade?

First State Bank has a TFS Financial Health Grade of C+ (score: 77.8/100). 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 8 branch locations across the United States.

Is First State Bank FDIC insured?

Yes, First State Bank is FDIC insured (Certificate #24498).

What are the total assets of First State Bank?

First State Bank has total assets of $291.8M as reported in its most recent FDIC filing.

First State Bank

BankGraham, Texas

www.fsbgraham.bank

Total Assets

$291.8M

Total Deposits

$258.8M

Branches

Established

1983

TFS Health Grade

C+

77.8 / 100

Average financial health

How we grade

First State Bank is a bank headquartered in Graham, Texas, established in 1983. With $291.8M in total assets and 8 branch locations, it has a TFS Financial Health Grade of C+ (77.8/100).

Capital & Safety

Tier 1 Capital Ratio

10.18%(8%)

Total Capital Ratio

17.69%(10%)

Non-Performing Loan Ratio

0.00%

Profitability

Return on Assets (ROA)

1.40%(1%)

Return on Equity (ROE)

17.04%(10%)

Net Interest Margin

3.86%

Efficiency Ratio

63.60%(60%)

Lending & Liquidity

Total Loans

$167.0M

Loan-to-Deposit Ratio

63.88%

Net Charge-Off Ratio

0.06%

Growth

Asset Growth (YoY)

+6.84%

Deposit Growth (YoY)

+6.11%

Net Income

$4.0M

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	1526 4th St	Graham	TX	11
First State Bank	201 South Center Street	Archer City	TX	11
First State Bank	1300 State Highway 16 S	Graham	TX	11
First State Bank	1525 4th St	Graham	TX	24
First State Bank	1220 N Main St	Jacksboro	TX	11
First State Bank	106 State Highway 79 N	Olney	TX	11
First State Bank	147 N Minter Ave	Throckmorton	TX	11
First State Bank	101 Ushwy 183 South	Woodson	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.