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First State Bank
Graham, TX · FDIC Certificate #24498 · Chartered 05/2
Total assets
$308.79M
Total deposits
$275.86M
Total equity
$25.62M
Net loans
$166.76M
Branches (offices)
7
Net income (YTD)
$2.28M
Rank: #2,424 of 4,213 U.S. banks by assets · #209 of 346 in Texas. Assets changed 8.5% and deposits 8.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.52% |
| Return on equity | 17.82% |
| Net interest margin (YTD) | 3.84% |
| Equity to assets | 8.30% |
| Tier 1 leverage ratio | 10.08% |
| Uninsured deposits (share of deposits) | 17.9% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 60.5% |
| Real estate loans (share of loans) | 69.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $116.02M | 69.6% | |
| Commercial & industrial | $34.15M | 20.5% | |
| Consumer / individual | $2.08M | 1.2% | |
| Construction & development | $4.37M | 2.6% | |
| Agricultural | $13.47M | 8.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $248.68M | $225.13M | $1.48M | $14.10M |
| Jun 2023 | $244.69M | $217.72M | $2.20M | $18.02M |
| Jun 2024 | $255.52M | $226.68M | $1.86M | $20.26M |
| Jun 2025 | $284.56M | $253.80M | $1.80M | $22.84M |
| Jun 2026 | $308.79M | $275.86M | $2.28M | $25.62M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $275.86M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $275.86M.
Similar-sized banks
Washington State Bank ($309.21M) · Farmers And Merchants Bank ($308.74M)
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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