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First State Bank Of Odem
Odem, TX · FDIC Certificate #16334 · Chartered 11/1
Total assets
$212.65M
Total deposits
$181.03M
Total equity
$30.36M
Net loans
$103.13M
Branches (offices)
4
Net income (YTD)
$2.51M
Rank: #2,898 of 4,213 U.S. banks by assets · #250 of 346 in Texas. Assets changed 4.1% and deposits 7.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.40% |
| Return on equity | 16.98% |
| Net interest margin (YTD) | 5.26% |
| Equity to assets | 14.28% |
| Tier 1 leverage ratio | 14.39% |
| Uninsured deposits (share of deposits) | 34.2% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.72% |
| Loans to deposits | 57.0% |
| Real estate loans (share of loans) | 70.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $72.89M | 70.7% | |
| Commercial & industrial | $28.15M | 27.3% | |
| Consumer / individual | $2.49M | 2.4% | |
| Construction & development | $28.32M | 27.5% | |
| Agricultural | $2.53M | 2.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $183.47M | $162.49M | $783.00K | $20.54M |
| Jun 2023 | $183.08M | $158.13M | $2.09M | $24.37M |
| Jun 2024 | $195.03M | $164.79M | $2.59M | $29.60M |
| Jun 2025 | $204.22M | $168.12M | $2.46M | $34.98M |
| Jun 2026 | $212.65M | $181.03M | $2.51M | $30.36M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $181.03M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $181.03M.
Similar-sized banks
The Perryton National Bank ($212.65M) · Exchange Bank And Trust Company, Natchitoches, Louisiana ($212.53M)
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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