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First State Bank Of Bedias
Bedias, TX · FDIC Certificate #16895 · Chartered 08/2
Total assets
$224.79M
Total deposits
$184.68M
Total equity
$38.93M
Net loans
$122.94M
Branches (offices)
2
Net income (YTD)
$2.84M
Rank: #2,839 of 4,213 U.S. banks by assets · #244 of 346 in Texas. Assets changed 7.6% and deposits 7.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.58% |
| Return on equity | 14.60% |
| Net interest margin (YTD) | 4.72% |
| Equity to assets | 17.32% |
| Tier 1 leverage ratio | 17.94% |
| Uninsured deposits (share of deposits) | 15.0% |
| Noncurrent loans (share of loans) | 2.01% |
| Net charge-offs (share of loans) | 0.21% |
| Loans to deposits | 66.6% |
| Real estate loans (share of loans) | 54.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $66.95M | 54.5% | |
| Commercial & industrial | $26.49M | 21.5% | |
| Consumer / individual | $9.83M | 8.0% | |
| Construction & development | $14.68M | 11.9% | |
| Agricultural | $21.37M | 17.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $210.72M | $182.66M | $1.69M | $27.47M |
| Jun 2023 | $197.01M | $166.43M | $3.19M | $29.80M |
| Jun 2024 | $196.35M | $162.59M | $2.99M | $32.78M |
| Jun 2025 | $208.83M | $171.78M | $2.52M | $35.88M |
| Jun 2026 | $224.79M | $184.68M | $2.84M | $38.93M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $184.68M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $184.68M.
Similar-sized banks
Tbo Bank ($224.83M) · The Seymour Bank ($224.75M)
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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