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The First State Bank
Abernathy, TX · FDIC Certificate #11175 · Chartered 01/0
Total assets
$121.41M
Total deposits
$96.45M
Total equity
$16.50M
Net loans
$87.15M
Branches (offices)
3
Net income (YTD)
$1.06M
Rank: #3,519 of 4,213 U.S. banks by assets · #299 of 346 in Texas. Assets changed 4.4% and deposits 24.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.70% |
| Return on equity | 13.04% |
| Net interest margin (YTD) | 7.46% |
| Equity to assets | 13.59% |
| Tier 1 leverage ratio | 13.46% |
| Uninsured deposits (share of deposits) | 21.0% |
| Noncurrent loans (share of loans) | 2.13% |
| Net charge-offs (share of loans) | -0.06% |
| Loans to deposits | 90.4% |
| Real estate loans (share of loans) | 36.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $32.03M | 36.8% | |
| Commercial & industrial | $15.16M | 17.4% | |
| Consumer / individual | $3.95M | 4.5% | |
| Construction & development | $3.28M | 3.8% | |
| Agricultural | $34.02M | 39.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $69.20M | $56.37M | $8.00K | $12.17M |
| Jun 2023 | $86.99M | $67.86M | $821.00K | $13.08M |
| Jun 2024 | $99.14M | $71.28M | $1.11M | $14.00M |
| Jun 2025 | $116.33M | $77.36M | $1.01M | $14.83M |
| Jun 2026 | $121.41M | $96.45M | $1.06M | $16.50M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $96.45M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $96.45M.
Similar-sized banks
Bedford Loan & Deposit Bank ($121.76M) · Key Community Bank ($121.02M)
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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