What is First State Bank's financial health grade?

First State Bank has a TFS Financial Health Grade of C- (score: 71.2/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First State Bank have?

First State Bank has 2 branch locations across the United States.

Is First State Bank FDIC insured?

Yes, First State Bank is FDIC insured (Certificate #1218).

What are the total assets of First State Bank?

First State Bank has total assets of $179.7M as reported in its most recent FDIC filing.

First State Bank

BankSpearman, Texas

www.fsbtx.com

Total Assets

$179.7M

Total Deposits

$148.9M

Branches

Established

1917

TFS Health Grade

C-

71.2 / 100

Average financial health

How we grade

First State Bank is a bank headquartered in Spearman, Texas, established in 1917. With $179.7M in total assets and 2 branch locations, it has a TFS Financial Health Grade of C- (71.2/100).

Capital & Safety

Tier 1 Capital Ratio

12.84%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.24%

Profitability

Return on Assets (ROA)

1.69%(1%)

Return on Equity (ROE)

14.28%(10%)

Net Interest Margin

4.42%

Efficiency Ratio

56.80%(60%)

Lending & Liquidity

Total Loans

$145.5M

Loan-to-Deposit Ratio

96.52%

Net Charge-Off Ratio

0.16%

Growth

Asset Growth (YoY)

+2.39%

Deposit Growth (YoY)

-3.38%

Net Income

$3.1M

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 BankHQ	1 Ne Court St	Spearman	TX	11
First State Bank	112 Sw 8th Avenue	Amarillo	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.