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First State Bank
Athens, TX · FDIC Certificate #15206 · Chartered 05/0
Total assets
$761.73M
Total deposits
$669.47M
Total equity
$84.40M
Net loans
$473.06M
Branches (offices)
8
Net income (YTD)
$6.32M
Rank: #1,306 of 4,213 U.S. banks by assets · #117 of 346 in Texas. Assets changed 6.2% and deposits 5.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.65% |
| Return on equity | 15.25% |
| Net interest margin (YTD) | 4.51% |
| Equity to assets | 11.08% |
| Tier 1 leverage ratio | 11.44% |
| Uninsured deposits (share of deposits) | 35.3% |
| Noncurrent loans (share of loans) | 0.80% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 70.7% |
| Real estate loans (share of loans) | 88.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $419.83M | 88.7% | |
| Commercial & industrial | $29.48M | 6.2% | |
| Consumer / individual | $17.02M | 3.6% | |
| Construction & development | $65.57M | 13.9% | |
| Agricultural | $11.25M | 2.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $680.69M | $624.61M | $4.04M | $51.33M |
| Jun 2023 | $712.08M | $632.50M | $3.56M | $53.92M |
| Jun 2024 | $721.47M | $625.44M | $4.58M | $63.53M |
| Jun 2025 | $717.03M | $634.81M | $5.00M | $74.64M |
| Jun 2026 | $761.73M | $669.47M | $6.32M | $84.40M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $669.47M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $669.47M.
Similar-sized banks
Bac Community Bank ($761.91M) · Green Belt Bank & Trust ($758.71M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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