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The First State Bank
Louise, TX · FDIC Certificate #17588 · Chartered 05/0
Total assets
$895.17M
Total deposits
$806.76M
Total equity
$80.12M
Net loans
$643.84M
Branches (offices)
15
Net income (YTD)
$10.81M
Rank: #1,150 of 4,213 U.S. banks by assets · #103 of 346 in Texas. Assets changed 10.2% and deposits 9.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.44% |
| Return on equity | 27.45% |
| Net interest margin (YTD) | 5.21% |
| Equity to assets | 8.95% |
| Tier 1 leverage ratio | 10.58% |
| Uninsured deposits (share of deposits) | 28.1% |
| Noncurrent loans (share of loans) | 2.16% |
| Net charge-offs (share of loans) | 0.12% |
| Loans to deposits | 79.8% |
| Real estate loans (share of loans) | 78.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $506.62M | 78.7% | |
| Commercial & industrial | $47.68M | 7.4% | |
| Consumer / individual | $3.33M | 0.5% | |
| Construction & development | $108.22M | 16.8% | |
| Agricultural | $92.48M | 14.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $804.33M | $750.13M | $7.40M | $46.85M |
| Jun 2023 | $791.58M | $735.00M | $9.32M | $50.99M |
| Jun 2024 | $796.66M | $729.56M | $9.46M | $60.30M |
| Jun 2025 | $812.61M | $735.52M | $10.86M | $69.55M |
| Jun 2026 | $895.17M | $806.76M | $10.81M | $80.12M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $806.76M | 15 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $806.76M.
Similar-sized banks
Windsor Federal Bank ($895.44M) · 21St Century Bank ($894.83M)
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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