What is First State Bank of Texas's financial health grade?

First State Bank of Texas has a TFS Financial Health Grade of D (score: 64.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First State Bank of Texas have?

First State Bank of Texas has 6 branch locations across the United States.

Is First State Bank of Texas FDIC insured?

Yes, First State Bank of Texas is FDIC insured (Certificate #11922).

What are the total assets of First State Bank of Texas?

First State Bank of Texas has total assets of $368.7M as reported in its most recent FDIC filing.

First State Bank of Texas

BankOrange, Texas

www.fsboftx.com

Total Assets

$368.7M

Total Deposits

$330.6M

Branches

Established

1914

TFS Health Grade

64.3 / 100

Below average financial health

How we grade

First State Bank of Texas is a bank headquartered in Orange, Texas, established in 1914. With $368.7M in total assets and 6 branch locations, it has a TFS Financial Health Grade of D (64.3/100).

Capital & Safety

Tier 1 Capital Ratio

9.11%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.83%

Profitability

Return on Assets (ROA)

0.52%(1%)

Return on Equity (ROE)

5.36%(10%)

Net Interest Margin

4.77%

Efficiency Ratio

73.39%(60%)

Lending & Liquidity

Total Loans

$261.7M

Loan-to-Deposit Ratio

78.06%

Net Charge-Off Ratio

0.30%

Growth

Asset Growth (YoY)

+9.24%

Deposit Growth (YoY)

+9.17%

Net Income

$1.8M

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 Bank of TexasHQ	4039 I-10 East	Orange	TX	11
First State Bank of Texas	3475 Phelan Blvd	Beaumont	TX	11
First State Bank of Texas	25700 I - 45 North	Spring	TX	11
First State Bank of Texas	422 Dibrell Avenue	Three Rivers	TX	11
First State Bank of Texas	27920 Tomball Pkwy	Tomball	TX	11
First State Bank of Texas	1384 N Main St	Vidor	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.