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First State Bank
Spearman, TX · FDIC Certificate #1218 · Chartered 01/0
Total assets
$184.01M
Total deposits
$154.01M
Total equity
$23.56M
Net loans
$145.39M
Branches (offices)
2
Net income (YTD)
$1.61M
Rank: #3,086 of 4,213 U.S. banks by assets · #260 of 346 in Texas. Assets changed 2.1% and deposits -2.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.74% |
| Return on equity | 13.93% |
| Net interest margin (YTD) | 4.45% |
| Equity to assets | 12.80% |
| Tier 1 leverage ratio | 12.57% |
| Uninsured deposits (share of deposits) | 26.1% |
| Noncurrent loans (share of loans) | 4.44% |
| Net charge-offs (share of loans) | 0.14% |
| Loans to deposits | 94.4% |
| Real estate loans (share of loans) | 54.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $79.46M | 54.7% | |
| Commercial & industrial | $29.24M | 20.1% | |
| Consumer / individual | $2.80M | 1.9% | |
| Construction & development | $8.10M | 5.6% | |
| Agricultural | $27.35M | 18.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $174.30M | $154.89M | $457.00K | $15.60M |
| Jun 2023 | $175.19M | $151.69M | $1.01M | $16.85M |
| Jun 2024 | $180.24M | $159.78M | $1.16M | $19.42M |
| Jun 2025 | $180.21M | $157.69M | $1.44M | $21.40M |
| Jun 2026 | $184.01M | $154.01M | $1.61M | $23.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $154.01M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $154.01M.
Similar-sized banks
Heritage Community Bank ($184.40M) · State Bank Of Southwest Missouri ($183.76M)
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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