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First State Bank Of Texas
Orange, TX · FDIC Certificate #11922 · Chartered 08/1
Total assets
$353.63M
Total deposits
$316.35M
Total equity
$34.91M
Net loans
$256.62M
Branches (offices)
6
Net income (YTD)
$1.02M
Rank: #2,240 of 4,213 U.S. banks by assets · #194 of 346 in Texas. Assets changed 1.1% and deposits 0.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.57% |
| Return on equity | 5.70% |
| Net interest margin (YTD) | 5.04% |
| Equity to assets | 9.87% |
| Tier 1 leverage ratio | 9.20% |
| Uninsured deposits (share of deposits) | 26.0% |
| Noncurrent loans (share of loans) | 2.85% |
| Net charge-offs (share of loans) | 1.50% |
| Loans to deposits | 81.1% |
| Real estate loans (share of loans) | 78.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $201.71M | 78.6% | |
| Commercial & industrial | $50.01M | 19.5% | |
| Consumer / individual | $5.89M | 2.3% | |
| Construction & development | $58.52M | 22.8% | |
| Agricultural | $614.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $264.42M | $238.44M | $721.00K | $25.09M |
| Jun 2023 | $272.71M | $227.70M | $2.12M | $28.67M |
| Jun 2024 | $285.09M | $243.91M | $2.24M | $31.33M |
| Jun 2025 | $349.88M | $314.95M | -$20.00K | $32.76M |
| Jun 2026 | $353.63M | $316.35M | $1.02M | $34.91M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $316.35M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $316.35M.
Similar-sized banks
United Southern Bank ($353.66M) · Granite Bank ($353.17M)
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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