What is The First State Bank's financial health grade?

The First State Bank has a TFS Financial Health Grade of C (score: 73.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The First State Bank have?

The First State Bank has 15 branch locations across the United States.

Is The First State Bank FDIC insured?

Yes, The First State Bank is FDIC insured (Certificate #17588).

What are the total assets of The First State Bank?

The First State Bank has total assets of $878.8M as reported in its most recent FDIC filing.

The First State Bank

BankLouise, Texas

www.fsblouise.com

Total Assets

$878.8M

Total Deposits

$792.8M

Branches

Established

1956

TFS Health Grade

73.3 / 100

Average financial health

How we grade

The First State Bank is a bank headquartered in Louise, Texas, established in 1956. With $878.8M in total assets and 15 branch locations, it has a TFS Financial Health Grade of C (73.3/100).

Capital & Safety

Tier 1 Capital Ratio

10.57%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

1.06%

Profitability

Return on Assets (ROA)

2.69%(1%)

Return on Equity (ROE)

32.03%(10%)

Net Interest Margin

5.27%

Efficiency Ratio

50.21%(60%)

Lending & Liquidity

Total Loans

$632.6M

Loan-to-Deposit Ratio

78.78%

Net Charge-Off Ratio

0.12%

Growth

Asset Growth (YoY)

+7.41%

Deposit Growth (YoY)

+5.85%

Net Income

$22.6M

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
The First State BankHQ	206 North St.	Louise	TX	11
The First State Bank	2904 N Velasco St	Angleton	TX	11
The First State Bank	3600 7th St	Bay City	TX	11
The First State Bank	Ave B & 10th St	Blessing	TX	11
The First State Bank	731 W Leona St	Dilley	TX	11
The First State Bank	1808 West Loop	El Campo	TX	11
The First State Bank	101 E York St	Ganado	TX	11
The First State Bank	206 North Street	Louise	TX	13
The First State Bank	403 S Alamo St	Refugio	TX	11
The First State Bank	803 N Avenue E	Shiner	TX	11
The First State Bank	200 Century Square Blvd	Sugar Land	TX	11
The First State Bank	208 Second Street	Sweeny	TX	11
The First State Bank	4805 John Stockbauer Dr	Victoria	TX	11
The First State Bank	505 E Boling Hwy	Wharton	TX	11
The First State Bank	320 First St	Woodsboro	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.