First State Bank is a state-chartered bank headquartered in Stratford, Texas, in business for about 78 years. At the end of Q2 2026 it reported $371.9M in total assets and $326.4M in deposits, with 3 offices.
First State Bank has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 92% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 26th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (70/100, 75% loans-to-deposits, 29% uninsured).
TellerScore · Q2 2026
Scorecard
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 2 points (90 → 88), mostly because the funding & liquidity component weakened by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 88 |
| Q4 2024 | 89 |
| Q1 2025 | 88 |
| Q2 2025 | 90 |
| Q3 2025 | 90 |
| Q4 2025 | 90 |
| Q1 2026 | 87 |
| Q2 2026 | 88 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.38% |
| Q3 2024 | 11.81% |
| Q4 2024 | 12.34% |
| Q1 2025 | 11.81% |
| Q2 2025 | 12.31% |
| Q3 2025 | 12.83% |
| Q4 2025 | 12.98% |
| Q1 2026 | 12.12% |
| Q2 2026 | 12.58% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.87% |
| Q3 2024 | 1.95% |
| Q4 2024 | 2.00% |
| Q1 2025 | 2.33% |
| Q2 2025 | 2.34% |
| Q3 2025 | 2.38% |
| Q4 2025 | 2.38% |
| Q1 2026 | 2.37% |
| Q2 2026 | 2.27% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 88 | $371.9M | 12.58% | 0.00% | 2.27% | 74.7% |
| Q1 2026 | 87 | $386.0M | 12.12% | 0.00% | 2.37% | 69.9% |
| Q4 2025 | 90 | $369.8M | 12.98% | 0.00% | 2.38% | 67.0% |
| Q3 2025 | 90 | $351.2M | 12.83% | 0.00% | 2.38% | 70.6% |
| Q2 2025 | 90 | $348.2M | 12.31% | 0.00% | 2.34% | 59.9% |
| Q1 2025 | 88 | $345.4M | 11.81% | 0.00% | 2.33% | 66.7% |
| Q4 2024 | 89 | $336.7M | 12.34% | 0.00% | 2.00% | 69.0% |
| Q3 2024 | 88 | $338.1M | 11.81% | 0.00% | 1.95% | 66.1% |
| Q2 2024 | 86 | $334.9M | 11.38% | 0.00% | 1.87% | 56.7% |
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Gilmer National Bank, Gilmer, TexasBank Gilmer, TX | 40 out of 100, Below average | $374.5M | 9.7% | 3.70% | vs |
| Lamar National BankBank Paris, TX | 73 out of 100, Strong | $375.9M | 10.6% | 0.15% | vs |
| Crossroads BankBank Yoakum, TX | 67 out of 100, Moderate | $380.7M | 11.6% | 2.29% | vs |
| First National Bank in Port LavacaBank Port Lavaca, TX | 54 out of 100, Below average | $361.3M | 13.0% | 2.39% | vs |
| Yoakum BankBank Yoakum, TX | 73 out of 100, Strong | $385.8M | 9.4% | 0.19% | vs |
| First National Bank of GiddingsBank Giddings, TX | 57 out of 100, Moderate | $356.2M | 11.2% | 2.07% | vs |
Deposit insurance
Is my money safe at First State Bank?
Yes. First State Bank is an FDIC-insured institution (FDIC certificate #16695). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.9% of deposits ($94.5M) 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 12.58%, 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%).
3 locations
Branches
First State Bank lists 3 offices in 3 cities. Most locations:
- Dalhart, TX (1)
- Dumas, TX (1)
- Stratford, TX (1)
Identity & history
Profile
- Legal name
- First State Bank
- Former names
- The First State Bank of Stratford
- Type
- State-chartered bank
- FDIC certificate #
- 16695
- RSSD ID
- 410560
- Primary regulator
- FDIC
- Holding company
- Stratford Bancshares Inc
- Established
- April 26, 1948
- Headquarters
- 302 North Main Street, Stratford, TX 79084
- Website
- www.firstclassbanking.com
- Employees
- 40
Quick answers
First State Bank: common questions
Is First State Bank FDIC insured?
Yes. First State Bank is an FDIC-insured institution (FDIC certificate #16695). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First State Bank's TellerScore?
88 out of 100 (Very 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 #16695 in the FDIC failed bank list.
How many branches does First State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Stratford
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Anchor D BankBank Texhoma, OK | 80 out of 100, Strong | $404.5M | 10.5% | 0.00% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |