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First State Bank
Stratford, TX · FDIC Certificate #16695 · Chartered 04/2
Total assets
$371.88M
Total deposits
$326.39M
Total equity
$43.69M
Net loans
$243.86M
Branches (offices)
3
Net income (YTD)
$4.27M
Rank: #2,167 of 4,213 U.S. banks by assets · #190 of 346 in Texas. Assets changed 6.8% and deposits 5.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.27% |
| Return on equity | 19.82% |
| Net interest margin (YTD) | 3.91% |
| Equity to assets | 11.75% |
| Tier 1 leverage ratio | 12.58% |
| Uninsured deposits (share of deposits) | 28.9% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 74.7% |
| Real estate loans (share of loans) | 50.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $122.45M | 50.2% | |
| Commercial & industrial | $25.89M | 10.6% | |
| Consumer / individual | $2.85M | 1.2% | |
| Construction & development | $3.16M | 1.3% | |
| Agricultural | $65.30M | 26.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $312.22M | $274.05M | $2.30M | $24.96M |
| Jun 2023 | $317.14M | $286.01M | $2.23M | $25.32M |
| Jun 2024 | $334.86M | $302.32M | $3.23M | $31.01M |
| Jun 2025 | $348.18M | $308.50M | $4.02M | $38.02M |
| Jun 2026 | $371.88M | $326.39M | $4.27M | $43.69M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $326.39M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $326.39M.
Similar-sized banks
First National Bank ($372.70M) · The First National Bank Of Grayson ($371.87M)
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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