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First State Bank
Clute, TX · FDIC Certificate #17950 · Chartered 10/1
Total assets
$478.05M
Total deposits
$429.11M
Total equity
$43.40M
Net loans
$349.63M
Branches (offices)
3
Net income (YTD)
$4.62M
Rank: #1,843 of 4,213 U.S. banks by assets · #164 of 346 in Texas. Assets changed 15.4% and deposits 15.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.98% |
| Return on equity | 21.94% |
| Net interest margin (YTD) | 4.39% |
| Equity to assets | 9.08% |
| Tier 1 leverage ratio | 9.48% |
| Uninsured deposits (share of deposits) | 36.2% |
| Noncurrent loans (share of loans) | 1.38% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 81.5% |
| Real estate loans (share of loans) | 72.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $252.96M | 72.4% | |
| Commercial & industrial | $67.17M | 19.2% | |
| Consumer / individual | $34.41M | 9.8% | |
| Construction & development | $11.56M | 3.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $289.24M | $261.05M | $2.95M | $23.86M |
| Jun 2023 | $325.16M | $295.61M | $3.62M | $27.04M |
| Jun 2024 | $355.21M | $319.94M | $3.46M | $30.99M |
| Jun 2025 | $414.41M | $372.61M | $3.96M | $38.06M |
| Jun 2026 | $478.05M | $429.11M | $4.62M | $43.40M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $429.11M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $429.11M.
Similar-sized banks
Fsnb, National Association ($478.28M) · First National Bank ($477.82M)
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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