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First State Bank Of Ben Wheeler, Texas
Ben Wheeler, TX · FDIC Certificate #11904 · Chartered 02/1
Total assets
$185.12M
Total deposits
$156.12M
Total equity
$28.85M
Net loans
$66.04M
Branches (offices)
4
Net income (YTD)
$1.40M
Rank: #3,083 of 4,213 U.S. banks by assets · #259 of 346 in Texas. Assets changed 1.9% and deposits 1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.51% |
| Return on equity | 9.88% |
| Net interest margin (YTD) | 3.28% |
| Equity to assets | 15.58% |
| Tier 1 leverage ratio | 15.66% |
| Uninsured deposits (share of deposits) | 17.9% |
| Noncurrent loans (share of loans) | 0.07% |
| Net charge-offs (share of loans) | -0.04% |
| Loans to deposits | 42.3% |
| Real estate loans (share of loans) | 75.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $49.54M | 75.0% | |
| Commercial & industrial | $9.23M | 14.0% | |
| Consumer / individual | $4.63M | 7.0% | |
| Construction & development | $6.24M | 9.4% | |
| Agricultural | $3.48M | 5.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $202.96M | $178.18M | $1.51M | $24.58M |
| Jun 2023 | $194.03M | $168.08M | $1.16M | $25.82M |
| Jun 2024 | $188.37M | $161.42M | $988.00K | $26.78M |
| Jun 2025 | $181.67M | $153.86M | $1.05M | $27.66M |
| Jun 2026 | $185.12M | $156.12M | $1.40M | $28.85M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $156.12M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $156.12M.
Similar-sized banks
Citizens' Bank Of Charleston ($185.14M) · Mission Bank ($185.10M)
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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