First State Bank

BankShallowater, Texas
www.fsbshallowater.com

Total Assets

$146.7M

Total Deposits

$119.0M

Branches

5

Established

1960

TFS Health Grade

$
C

74.5 / 100

Average financial health

How we grade

First State Bank is a bank headquartered in Shallowater, Texas, established in 1960. With $146.7M in total assets and 5 branch locations, it has a TFS Financial Health Grade of C (74.5/100).

Capital & Safety

Tier 1 Capital Ratio
18.15%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.06%

Profitability

Return on Assets (ROA)
1.42%(1%)
Return on Equity (ROE)
7.98%(10%)
Net Interest Margin
5.38%
Efficiency Ratio
72.75%(60%)

Lending & Liquidity

Total Loans
$91.2M
Loan-to-Deposit Ratio
75.37%
Net Charge-Off Ratio
0.05%

Growth

Asset Growth (YoY)
+9.49%
Deposit Growth (YoY)
+10.64%
Net Income
$2.0M

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.

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