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The First Bank Of Celeste
Celeste, TX · FDIC Certificate #3133 · Chartered 01/0
Total assets
$83.87M
Total deposits
$76.27M
Total equity
$7.05M
Net loans
$30.41M
Branches (offices)
1
Net income (YTD)
$562.00K
Rank: #3,806 of 4,213 U.S. banks by assets · #315 of 346 in Texas. Assets changed 0.2% and deposits -0.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.35% |
| Return on equity | 16.24% |
| Net interest margin (YTD) | 3.81% |
| Equity to assets | 8.41% |
| Tier 1 leverage ratio | 8.39% |
| Uninsured deposits (share of deposits) | 16.5% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 39.9% |
| Real estate loans (share of loans) | 49.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $15.07M | 49.6% | |
| Commercial & industrial | $5.94M | 19.5% | |
| Consumer / individual | $6.43M | 21.1% | |
| Construction & development | $3.88M | 12.8% | |
| Agricultural | $3.45M | 11.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $74.62M | $69.50M | $253.00K | $4.87M |
| Jun 2023 | $76.70M | $70.81M | $526.00K | $5.46M |
| Jun 2024 | $77.85M | $71.30M | $540.00K | $6.06M |
| Jun 2025 | $83.70M | $76.68M | $513.00K | $6.52M |
| Jun 2026 | $83.87M | $76.27M | $562.00K | $7.05M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $76.27M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $76.27M.
Similar-sized banks
The Bank Of Edison ($83.95M) · Farmers & Merchants State Bank Of New York Mills, Incorporated ($83.46M)
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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