TellerScore

Headquartered in Junction, Texas, First State Bank is a state-chartered bank (fed member) with $58.2M in total assets and $51.9M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1947.

Based on its Q2 2026 filing, First State Bank scores 78/100, which we describe as strong. That is higher than 60% of 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 122nd. Its strongest component is problem-loan coverage (98/100; 1.2%), and its lowest is capital cushion (56/100; 10.64%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.64%
Loan quality88/100
Noncurrent loans ÷ total loans: 0.37%
Earnings85/100
Return on assets (annualized): 1.62%
Funding & liquidity81/100
Loans ÷ deposits and uninsured-deposit share: 40.3% · 32.5% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.21%

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 rose 11 points (67 → 78), mostly because the loan quality component improved by 61 points.

TellerScore
456278Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202445
Q3 202453
Q4 202454
Q1 202564
Q2 202567
Q3 202570
Q4 202566
Q1 202677
Q2 202678
Tier 1 leverage ratio
5.00%8.10%11.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.88%
Q3 202410.30%
Q4 20249.65%
Q1 202510.17%
Q2 202511.21%
Q3 202511.14%
Q4 20259.98%
Q1 20269.93%
Q2 202610.64%
Noncurrent loans
0.22%1.43%2.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.62%
Q3 20242.64%
Q4 20242.41%
Q1 20252.13%
Q2 20252.19%
Q3 20251.08%
Q4 20251.25%
Q1 20260.22%
Q2 20260.37%
Return on assets
0.78%1.48%2.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.78%
Q3 20241.11%
Q4 20241.37%
Q1 20252.05%
Q2 20252.18%
Q3 20251.33%
Q4 20251.47%
Q1 20261.63%
Q2 20261.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$58.2M10.64%0.37%1.62%40.3%
Q1 202677$60.8M9.93%0.22%1.63%36.9%
Q4 202566$61.1M9.98%1.25%1.47%36.9%
Q3 202570$58.5M11.14%1.08%1.33%40.1%
Q2 202567$53.6M11.21%2.19%2.18%43.4%
Q1 202564$56.5M10.17%2.13%2.05%40.8%
Q4 202454$58.6M9.65%2.41%1.37%38.8%
Q3 202453$56.7M10.30%2.64%1.11%39.7%
Q2 202445$58.2M8.88%2.62%0.78%38.3%

546 peers · Under $100 million in assets

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 ratio10.64%
26th
Total risk-based capital0.00%
27th
Problem loans0.37%
51st
Net charge-offs0.26%
10th
Return on assets1.62%
80th
Net interest margin5.10%
90th
Efficiency ratio65.7%
62nd
Loans to deposits40.3%
82nd
Uninsured deposits32.5%
10th
Loan-loss reserves2.27%
88th
Texas ratio1.2%
55th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Producer Bank of TexasBank Powell, TX73 out of 100, Strong$58.7M18.6%0.58%vs
Crowell State BankBank Crowell, TX79 out of 100, Strong$57.5M11.0%0.89%vs
The First National Bank in CooperBank Cooper, TX72 out of 100, Strong$57.3M13.1%1.44%vs
Amistad BankBank Del Rio, TX86 out of 100, Very strong$57.0M15.3%0.00%vs
Commerce Bank TexasBank Stockdale, TX51 out of 100, Below average$60.6M12.7%2.64%vs
State National BankBank Groom, TX72 out of 100, Strong$55.1M12.6%0.35%vs

Deposit insurance

Is my money safe at First State Bank?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #16643). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.5% of deposits ($16.8M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.64%, 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

1 location

Branches

First State Bank lists 1 office in 1 city. Most locations:

  • Junction, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
First State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
16643
RSSD ID
603755
Primary regulator
FED
Holding company
Kimble County Bancshares Inc
Established
November 8, 1947
Headquarters
601 College St, Junction, TX 76849
Employees
10

Quick answers

First State Bank: common questions

Is First State Bank FDIC insured?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #16643). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank's TellerScore?

78 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 #16643 in the FDIC failed bank list.

How many branches does First State Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Junction

InstitutionScoreAssetsCapitalProblem loansCompare
Junction National BankBank Junction, TX86 out of 100, Very strong$93.0M12.0%0.00%vs
Kerr County Federal Credit UnionCredit union Kerrville, TX67 out of 100, Moderate$156.2M12.1%1.17%vs