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.

From Q2 2025 to Q2 2026, the score rose 5 points (57 → 62), mostly because the loan quality component improved by 31 points.

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

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #17950). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 36.2% of deposits ($155.3M) 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 9.48%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.64% (benchmark: 10%).

Check how much of your own balance is covered

First State Bank lists 3 offices in 3 cities. Most locations:

• Clute, TX (1)
• Lake Jackson, TX (1)
• Manvel, TX (1)

All branch addresses and map

In 2025, First State Bank reported 171 home-loan applications under HMDA (LEI 54930025OQ7Y7X795P35): 144 originated ($25,080,000 total), 8 denied, and 19 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.3%, 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.

Legal name

First State Bank

Type

State-chartered bank

FDIC certificate #

17950

RSSD ID

796152

Primary regulator

FDIC

Holding company

FSB Bancshares Inc

Established

October 16, 1958

Headquarters

200 Brazosport Blvd N, Clute, TX 77531

Website

www.bankatfsb.com

Employees

58