TellerScore

Headquartered in Gainesville, Texas, First State Bank is a state-chartered bank (fed member) with $1.9B in total assets and $1.7B in deposits as of Q2 2026. It operates 14 offices. Its charter dates back to 1905.

First State Bank has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 291st. Problem-loan coverage contributes the most (86/100, 7.2%); capital cushion contributes the least (46/100, 9.61%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Tier 1 leverage ratio: 9.61%
Loan quality69/100
Noncurrent loans ÷ total loans: 0.94%
Earnings52/100
Return on assets (annualized): 0.80%
Funding & liquidity71/100
Loans ÷ deposits and uninsured-deposit share: 56.8% · 41.4% uninsured
Problem-loan coverage86/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.17%

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

From Q2 2025 to Q2 2026, the score fell 3 points (64 → 61), mostly because the earnings component weakened by 47 points.

TellerScore
576368Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202461
Q4 202459
Q1 202557
Q2 202564
Q3 202568
Q4 202564
Q1 202668
Q2 202661
Tier 1 leverage ratio
5.00%7.32%9.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.87%
Q3 20249.08%
Q4 20248.89%
Q1 20258.81%
Q2 20259.56%
Q3 20259.40%
Q4 20259.38%
Q1 20269.65%
Q2 20269.61%
Noncurrent loans
0.12%0.85%1.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.52%
Q3 20240.46%
Q4 20240.46%
Q1 20250.78%
Q2 20251.58%
Q3 20250.52%
Q4 20250.89%
Q1 20260.12%
Q2 20260.94%
Return on assets
0.16%1.07%1.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.35%
Q3 20240.42%
Q4 20240.16%
Q1 20250.50%
Q2 20251.98%
Q3 20251.29%
Q4 20251.18%
Q1 20260.73%
Q2 20260.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$1.9B9.61%0.94%0.80%56.8%
Q1 202668$1.8B9.65%0.12%0.73%58.6%
Q4 202564$1.8B9.38%0.89%1.18%60.3%
Q3 202568$1.8B9.40%0.52%1.29%58.9%
Q2 202564$1.8B9.56%1.58%1.98%57.0%
Q1 202557$1.8B8.81%0.78%0.50%55.7%
Q4 202459$1.8B8.89%0.46%0.16%55.2%
Q3 202461$1.7B9.08%0.46%0.42%56.3%
Q2 202460$1.7B8.87%0.52%0.35%56.9%

897 peers · $1 billion – $10 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 ratio9.61%
25th
Total risk-based capital15.18%
69th
Problem loans0.94%
28th
Net charge-offs0.40%
10th
Return on assets0.80%
19th
Net interest margin4.06%
72nd
Efficiency ratio76.1%
10th
Loans to deposits56.8%
94th
Uninsured deposits41.4%
23rd
Loan-loss reserves1.36%
77th
Texas ratio7.2%
25th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
American Bank of CommerceBank Wolfforth, TX68 out of 100, Moderate$1.9B9.6%0.15%vs
FirstBank SouthwestBank Amarillo, TX73 out of 100, Strong$1.9B11.2%0.41%vs
North Dallas Bank & Trust Co.Bank Dallas, TX51 out of 100, Below average$1.8B10.2%1.54%vs
First National Bank of Central TexasBank Waco, TX81 out of 100, Strong$1.8B10.8%0.10%vs
Commercial Bank of Texas, National AssociationBank Nacogdoches, TX77 out of 100, Strong$1.7B10.6%0.14%vs
First State Bank of UvaldeBank Uvalde, TX75 out of 100, Strong$1.7B15.7%1.27%vs

Deposit insurance

Is my money safe at First State Bank?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #15511). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 41.4% of deposits ($687.4M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.61%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.18% (benchmark: 10%).

Check how much of your own balance is covered

14 locations

Branches

First State Bank lists 14 offices in 11 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First State Bank reported 320 home-loan applications under HMDA (LEI 54930079VLB4FPPZ7Y58): 208 originated ($63,290,000 total), 21 denied, and 90 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.1%, 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
The First State Bank; The First State Bank of Gainesville
Type
State-chartered bank (Fed member)
FDIC certificate #
15511
RSSD ID
435750
Primary regulator
FED
Holding company
Red River Bcorp Inc
Established
August 16, 1905
Headquarters
801 E California St, Gainesville, TX 76240
Employees
288

Quick answers

First State Bank: common questions

Is First State Bank FDIC insured?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #15511). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank's TellerScore?

61 out of 100 (Moderate), 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 #15511 in the FDIC failed bank list.

How many branches does First State Bank have?

14 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Gainesville

InstitutionScoreAssetsCapitalProblem loansCompare
Muenster State BankBank Muenster, TX98 out of 100, Very strong$227.0M14.8%0.00%vs
Datcu Credit UnionCredit union Denton, TX89 out of 100, Very strong$1.8B17.2%0.13%vs
Sanger BankBank Sanger, TX86 out of 100, Very strong$224.4M16.5%0.51%vs
Legend Bank, N.A.Bank Bowie, TX82 out of 100, Strong$1.3B10.4%0.12%vs
City Credit UnionCredit union Dallas, TX73 out of 100, Strong$629.8M12.3%1.23%vs
Prosperity BankBank El Campo, TX71 out of 100, Strong$43.9B10.6%0.48%vs