First State Bank

BankPaint Rock, Texas
www.fsbpaintrock.com

Total Assets

$173.7M

Total Deposits

$148.2M

Branches

2

Established

1910

TFS Health Grade

$
D

64.3 / 100

Below average financial health

How we grade

First State Bank is a bank headquartered in Paint Rock, Texas, established in 1910. With $173.7M in total assets and 2 branch locations, it has a TFS Financial Health Grade of D (64.3/100).

Capital & Safety

Tier 1 Capital Ratio
14.29%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
1.74%

Profitability

Return on Assets (ROA)
2.26%(1%)
Return on Equity (ROE)
16.65%(10%)
Net Interest Margin
3.97%
Efficiency Ratio
42.43%(60%)

Lending & Liquidity

Total Loans
$60.0M
Loan-to-Deposit Ratio
39.66%
Net Charge-Off Ratio
0.03%

Growth

Asset Growth (YoY)
+9.73%
Deposit Growth (YoY)
+9.41%
Net Income
$3.7M

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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