TellerScore

Headquartered in Athens, Texas, First State Bank is a state-chartered bank with $761.7M in total assets and $669.5M in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1935.

Based on its Q2 2026 filing, First State Bank scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 175th. Its strongest component is problem-loan coverage (91/100; 4.3%), and its lowest is capital cushion (64/100; 11.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Tier 1 leverage ratio: 11.44%
Loan quality73/100
Noncurrent loans ÷ total loans: 0.80%
Earnings86/100
Return on assets (annualized): 1.65%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 70.7% · 35.3% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.27%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 74).

TellerScore
707477Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202472
Q4 202476
Q1 202577
Q2 202575
Q3 202570
Q4 202572
Q1 202672
Q2 202674
Tier 1 leverage ratio
5.00%8.22%11.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.21%
Q3 202410.72%
Q4 202410.88%
Q1 202510.95%
Q2 202511.07%
Q3 202511.30%
Q4 202511.37%
Q1 202611.20%
Q2 202611.44%
Noncurrent loans
0.03%0.49%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.47%
Q3 20240.37%
Q4 20240.03%
Q1 20250.07%
Q2 20250.32%
Q3 20250.95%
Q4 20250.89%
Q1 20260.94%
Q2 20260.80%
Return on assets
1.23%1.44%1.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.26%
Q3 20241.23%
Q4 20241.24%
Q1 20251.37%
Q2 20251.39%
Q3 20251.45%
Q4 20251.52%
Q1 20261.57%
Q2 20261.65%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$761.7M11.44%0.80%1.65%70.7%
Q1 202672$778.6M11.20%0.94%1.57%68.7%
Q4 202572$762.6M11.37%0.89%1.52%71.8%
Q3 202570$739.3M11.30%0.95%1.45%75.5%
Q2 202575$717.0M11.07%0.32%1.39%77.0%
Q1 202577$729.2M10.95%0.07%1.37%74.4%
Q4 202476$706.0M10.88%0.03%1.24%75.6%
Q3 202472$700.8M10.72%0.37%1.23%78.2%
Q2 202470$721.5M10.21%0.47%1.26%78.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.44%
57th
Total risk-based capital0.00%
24th
Problem loans0.80%
34th
Net charge-offs0.03%
33rd
Return on assets1.65%
73rd
Net interest margin4.51%
80th
Efficiency ratio57.9%
64th
Loans to deposits70.7%
69th
Uninsured deposits35.3%
16th
Loan-loss reserves1.32%
65th
Texas ratio4.3%
39th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Commerce BankBank Laredo, TX87 out of 100, Very strong$762.5M12.3%0.03%vs
Liberty Capital BankBank Addison, TX73 out of 100, Strong$767.9M10.9%0.07%vs
Sage Capital Bank,Bank Gonzales, TX76 out of 100, Strong$768.9M10.4%0.01%vs
Schertz Bank & TrustBank Schertz, TX90 out of 100, Very strong$770.1M15.2%0.05%vs
American Bank, National AssociationBank Dallas, TX77 out of 100, Strong$773.8M10.8%0.28%vs
Kleberg Bank, N.A.Bank Kingsville, TX70 out of 100, Strong$736.8M9.5%0.10%vs

Deposit insurance

Is my money safe at First State Bank?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #15206). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.3% of deposits ($236.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.44%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

First State Bank lists 7 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First State Bank reported 145 home-loan applications under HMDA (LEI 549300KOEN7O8EYN8207): 115 originated ($36,345,000 total), 12 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First State Bank
Former names
Farmers & Merchants State Bank
Type
State-chartered bank
FDIC certificate #
15206
RSSD ID
264455
Primary regulator
FDIC
Holding company
Jane Austin Chapman Mgnt L C
Established
May 1, 1935
Headquarters
130 E Corsicana St, Athens, TX 75751
Employees
126

Quick answers

First State Bank: common questions

Is First State Bank FDIC insured?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #15206). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First State Bank ever failed?

There is no failure record for FDIC certificate #15206 in the FDIC failed bank list.

How many branches does First State Bank have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Athens

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank of Ben Wheeler, TexasBank Ben Wheeler, TX95 out of 100, Very strong$185.1M15.7%0.07%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
Southside BankBank Tyler, TX75 out of 100, Strong$8.8B11.4%0.19%vs
Harmony BankBank Dallas, TX75 out of 100, Strong$855.3M11.9%0.02%vs
First State Bank of BrownsboroBank Brownsboro, TX73 out of 100, Strong$139.9M10.4%0.52%vs
VeraBank, National AssociationBank Henderson, TX72 out of 100, Strong$4.6B11.0%0.96%vs