First State Bank

BankStratford, Texas
www.firstclassbanking.com

Total Assets

$369.8M

Total Deposits

$325.2M

Branches

3

Established

1948

TFS Health Grade

$
C

74.9 / 100

Average financial health

How we grade

First State Bank is a bank headquartered in Stratford, Texas, established in 1948. With $369.8M in total assets and 3 branch locations, it has a TFS Financial Health Grade of C (74.9/100).

Capital & Safety

Tier 1 Capital Ratio
12.98%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
2.38%(1%)
Return on Equity (ROE)
21.61%(10%)
Net Interest Margin
3.82%
Efficiency Ratio
43.04%(60%)

Lending & Liquidity

Total Loans
$218.9M
Loan-to-Deposit Ratio
66.98%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+9.85%
Deposit Growth (YoY)
+8.46%
Net Income
$8.4M

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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