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First State Bank
Gainesville, TX · FDIC Certificate #15511 · Chartered 08/1
Total assets
$1.85B
Total deposits
$1.66B
Total equity
$154.69M
Net loans
$942.69M
Branches (offices)
14
Net income (YTD)
$7.29M
Rank: #639 of 4,213 U.S. banks by assets · #56 of 346 in Texas. Assets changed 2.2% and deposits 1.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.80% |
| Return on equity | 9.52% |
| Net interest margin (YTD) | 4.06% |
| Equity to assets | 8.35% |
| Tier 1 leverage ratio | 9.61% |
| Uninsured deposits (share of deposits) | 41.4% |
| Noncurrent loans (share of loans) | 0.94% |
| Net charge-offs (share of loans) | 0.40% |
| Loans to deposits | 56.8% |
| Real estate loans (share of loans) | 82.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $779.73M | 82.7% | |
| Commercial & industrial | $110.45M | 11.7% | |
| Consumer / individual | $18.33M | 1.9% | |
| Construction & development | $122.25M | 13.0% | |
| Agricultural | $30.21M | 3.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.67B | $1.57B | $6.53M | $85.98M |
| Jun 2023 | $1.63B | $1.49B | $3.74M | $83.11M |
| Jun 2024 | $1.75B | $1.53B | $3.08M | $105.38M |
| Jun 2025 | $1.81B | $1.64B | $17.65M | $132.96M |
| Jun 2026 | $1.85B | $1.66B | $7.29M | $154.69M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.66B | 14 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.66B.
Similar-sized banks
Cornerstone Bank ($1.85B) · Bank Of Clarke ($1.85B)
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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