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First State Bank
Junction, TX · FDIC Certificate #16643 · Chartered 11/0
Total assets
$58.20M
Total deposits
$51.85M
Total equity
$6.05M
Net loans
$20.88M
Branches (offices)
1
Net income (YTD)
$487.00K
Rank: #3,976 of 4,213 U.S. banks by assets · #332 of 346 in Texas. Assets changed 8.5% and deposits 9.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.62% |
| Return on equity | 16.44% |
| Net interest margin (YTD) | 5.10% |
| Equity to assets | 10.39% |
| Tier 1 leverage ratio | 10.64% |
| Uninsured deposits (share of deposits) | 32.5% |
| Noncurrent loans (share of loans) | 0.37% |
| Net charge-offs (share of loans) | 0.26% |
| Loans to deposits | 40.3% |
| Real estate loans (share of loans) | 77.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $16.07M | 77.0% | |
| Commercial & industrial | $1.74M | 8.3% | |
| Consumer / individual | $1.41M | 6.8% | |
| Construction & development | $413.00K | 2.0% | |
| Agricultural | $299.00K | 1.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $67.61M | $63.94M | $329.00K | $3.24M |
| Jun 2023 | $65.89M | $62.09M | $400.00K | $3.35M |
| Jun 2024 | $58.19M | $53.37M | $241.00K | $4.44M |
| Jun 2025 | $53.62M | $47.54M | $614.00K | $5.59M |
| Jun 2026 | $58.20M | $51.85M | $487.00K | $6.05M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $51.85M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $51.85M.
Similar-sized banks
Generations Bank ($58.27M) · First Bank And Trust Company ($58.16M)
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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