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First State Bank
Paint Rock, TX · FDIC Certificate #17775 · Chartered 01/0
Total assets
$174.32M
Total deposits
$148.06M
Total equity
$24.34M
Net loans
$57.43M
Branches (offices)
2
Net income (YTD)
$1.83M
Rank: #3,152 of 4,213 U.S. banks by assets · #267 of 346 in Texas. Assets changed 8.4% and deposits 8.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.06% |
| Return on equity | 15.20% |
| Net interest margin (YTD) | 3.90% |
| Equity to assets | 13.96% |
| Tier 1 leverage ratio | 14.14% |
| Uninsured deposits (share of deposits) | 28.8% |
| Noncurrent loans (share of loans) | 1.90% |
| Net charge-offs (share of loans) | 1.04% |
| Loans to deposits | 38.8% |
| Real estate loans (share of loans) | 43.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $24.91M | 43.4% | |
| Commercial & industrial | $8.86M | 15.4% | |
| Consumer / individual | $5.70M | 9.9% | |
| Construction & development | $1.63M | 2.8% | |
| Agricultural | $18.61M | 32.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $158.81M | $141.62M | $735.00K | $15.53M |
| Jun 2023 | $155.20M | $135.98M | $2.02M | $17.50M |
| Jun 2024 | $144.47M | $122.72M | $2.06M | $19.96M |
| Jun 2025 | $160.77M | $136.64M | $1.87M | $22.33M |
| Jun 2026 | $174.32M | $148.06M | $1.83M | $24.34M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $148.06M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $148.06M.
Similar-sized banks
Riverbank ($174.44M) · The Warrington Bank ($173.94M)
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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