First State Bank of Odem

BankOdem, Texas
www.fsbodem.com

Total Assets

$201.3M

Total Deposits

$171.6M

Branches

5

Established

1945

TFS Health Grade

$
D+

69.3 / 100

Below average financial health

How we grade

First State Bank of Odem is a bank headquartered in Odem, Texas, established in 1945. With $201.3M in total assets and 5 branch locations, it has a TFS Financial Health Grade of D+ (69.3/100).

Capital & Safety

Tier 1 Capital Ratio
13.85%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
2.18%(1%)
Return on Equity (ROE)
13.99%(10%)
Net Interest Margin
5.52%
Efficiency Ratio
50.70%(60%)

Lending & Liquidity

Total Loans
$94.8M
Loan-to-Deposit Ratio
53.76%
Net Charge-Off Ratio
0.02%

Growth

Asset Growth (YoY)
+0.15%
Deposit Growth (YoY)
+2.45%
Net Income
$4.4M

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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