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First State Bank
Shallowater, TX · FDIC Certificate #18301 · Chartered 10/0
Total assets
$150.79M
Total deposits
$122.91M
Total equity
$26.48M
Net loans
$105.67M
Branches (offices)
4
Net income (YTD)
$997.00K
Rank: #3,304 of 4,213 U.S. banks by assets · #280 of 346 in Texas. Assets changed 1.6% and deposits 0.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.32% |
| Return on equity | 7.56% |
| Net interest margin (YTD) | 4.90% |
| Equity to assets | 17.56% |
| Tier 1 leverage ratio | 15.90% |
| Uninsured deposits (share of deposits) | 39.8% |
| Noncurrent loans (share of loans) | 0.23% |
| Net charge-offs (share of loans) | 0.19% |
| Loans to deposits | 86.0% |
| Real estate loans (share of loans) | 78.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $83.23M | 78.8% | |
| Commercial & industrial | $10.96M | 10.4% | |
| Consumer / individual | $1.74M | 1.6% | |
| Construction & development | $9.59M | 9.1% | |
| Agricultural | $11.44M | 10.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $142.56M | $122.53M | -$212.00K | $19.77M |
| Jun 2023 | $126.41M | $104.33M | $1.18M | $21.81M |
| Jun 2024 | $126.73M | $102.75M | $1.61M | $23.64M |
| Jun 2025 | $148.47M | $122.59M | $1.03M | $25.35M |
| Jun 2026 | $150.79M | $122.91M | $997.00K | $26.48M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $122.91M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $122.91M.
Similar-sized banks
Bank Of Hartington ($150.98M) · Increase Bank ($150.65M)
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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