TellerScore

First State Bank (FDIC certificate #17775) is based in Paint Rock, Texas. Its Q2 2026 call report shows $174.3M in total assets and $148.1M in deposits and 2 offices.

First State Bank has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 121st. Earnings contributes the most (100/100, 2.06%); loan quality contributes the least (37/100, 1.90%).

TellerScore · Q2 2026

Scorecard

Capital cushion91/100
Tier 1 leverage ratio: 14.14%
Loan quality37/100
Noncurrent loans ÷ total loans: 1.90%
Earnings100/100
Return on assets (annualized): 2.06%
Funding & liquidity85/100
Loans ÷ deposits and uninsured-deposit share: 38.8% · 28.8% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.88%

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 (78 → 78).

TellerScore
768492Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202491
Q3 202492
Q4 202492
Q1 202587
Q2 202578
Q3 202576
Q4 202579
Q1 202682
Q2 202678
Tier 1 leverage ratio
5.00%9.80%14.59%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.37%
Q3 202414.57%
Q4 202414.58%
Q1 202513.86%
Q2 202514.29%
Q3 202514.59%
Q4 202514.29%
Q1 202613.66%
Q2 202614.14%
Noncurrent loans
0.62%1.51%2.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.73%
Q3 20240.63%
Q4 20240.62%
Q1 20250.88%
Q2 20252.07%
Q3 20252.39%
Q4 20251.74%
Q1 20261.27%
Q2 20261.90%
Return on assets
2.06%2.41%2.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.74%
Q3 20242.76%
Q4 20242.67%
Q1 20252.36%
Q2 20252.30%
Q3 20252.33%
Q4 20252.26%
Q1 20262.30%
Q2 20262.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$174.3M14.14%1.90%2.06%38.8%
Q1 202682$184.6M13.66%1.27%2.30%36.3%
Q4 202579$173.7M14.29%1.74%2.26%39.7%
Q3 202576$168.1M14.59%2.39%2.33%40.0%
Q2 202578$160.8M14.29%2.07%2.30%41.3%
Q1 202587$166.8M13.86%0.88%2.36%40.6%
Q4 202492$158.3M14.58%0.62%2.67%41.8%
Q3 202492$151.2M14.57%0.63%2.76%44.8%
Q2 202491$144.5M14.37%0.73%2.74%44.5%

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 ratio14.14%
82nd
Total risk-based capital0.00%
24th
Problem loans1.90%
13th
Net charge-offs1.04%
2nd
Return on assets2.06%
88th
Net interest margin3.90%
48th
Efficiency ratio42.8%
93rd
Loans to deposits38.8%
96th
Uninsured deposits28.8%
32nd
Loan-loss reserves1.96%
93rd
Texas ratio4.9%
36th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of South TexasBank Mcallen, TX86 out of 100, Very strong$174.5M16.6%0.23%vs
Security Bank of TexasBank Crawford, TX62 out of 100, Moderate$175.9M12.0%1.75%vs
Greater State BankBank Mcallen, TX75 out of 100, Strong$180.2M11.1%0.05%vs
The Brady National BankBank Brady, TX75 out of 100, Strong$167.7M10.0%0.00%vs
The First National Bank of Eagle LakeBank Eagle Lake, TX60 out of 100, Moderate$167.7M11.4%2.25%vs
Peoples State BankBank Shepherd, TX68 out of 100, Moderate$181.2M10.7%1.25%vs

Deposit insurance

Is my money safe at First State Bank?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #17775). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.8% of deposits ($42.7M) 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 14.14%, 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

2 locations

Branches

First State Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First State Bank
Type
State-chartered bank
FDIC certificate #
17775
RSSD ID
719964
Primary regulator
FDIC
Holding company
Paint Rock Bancshares Inc
Established
January 1, 1910
Headquarters
245 W Moss St, Paint Rock, TX 76866
Employees
13

Quick answers

First State Bank: common questions

Is First State Bank FDIC insured?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #17775). 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 #17775 in the FDIC failed bank list.

How many branches does First State Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Paint Rock

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of BallingerBank Ballinger, TX81 out of 100, Strong$275.3M10.5%0.03%vs
Sundown State BankBank Sundown, TX79 out of 100, Strong$307.7M11.6%0.84%vs
Citizens State BankBank Miles, TX75 out of 100, Strong$270.1M10.7%0.44%vs
Third Coast BankBank Humble, TX71 out of 100, Strong$6.7B11.4%0.50%vs
Goodyear San Angelo Federal Credit UnionCredit union San Angelo, TX71 out of 100, Strong$4.1M14.1%1.51%vs
Texas Financial BankBank Eden, TX61 out of 100, Moderate$264.6M11.7%1.00%vs