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First State Bank And Trust Company
Carthage, TX · FDIC Certificate #11559 · Chartered 02/2
Total assets
$547.41M
Total deposits
$490.56M
Total equity
$52.55M
Net loans
$179.00M
Branches (offices)
1
Net income (YTD)
$2.65M
Rank: #1,678 of 4,213 U.S. banks by assets · #152 of 346 in Texas. Assets changed 3.0% and deposits 10.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.97% |
| Return on equity | 10.00% |
| Net interest margin (YTD) | 2.69% |
| Equity to assets | 9.60% |
| Tier 1 leverage ratio | 14.00% |
| Uninsured deposits (share of deposits) | 51.4% |
| Noncurrent loans (share of loans) | 1.96% |
| Net charge-offs (share of loans) | 0.19% |
| Loans to deposits | 36.5% |
| Real estate loans (share of loans) | 79.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $141.70M | 79.2% | |
| Commercial & industrial | $7.15M | 4.0% | |
| Consumer / individual | $24.78M | 13.8% | |
| Construction & development | $4.69M | 2.6% | |
| Agricultural | $6.10M | 3.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $573.69M | $516.31M | $3.31M | $45.51M |
| Jun 2023 | $591.73M | $516.65M | $1.91M | $42.95M |
| Jun 2024 | $564.49M | $466.45M | $1.04M | $43.79M |
| Jun 2025 | $531.37M | $443.43M | $1.60M | $48.18M |
| Jun 2026 | $547.41M | $490.56M | $2.65M | $52.55M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $490.56M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $490.56M.
Similar-sized banks
First National Bank Of Coffee County ($547.47M) · Fidelity Bank ($546.82M)
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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