First State Bank (FDIC certificate #24498) is based in Graham, Texas. Its Q2 2026 call report shows $308.8M in total assets and $275.9M in deposits and 8 offices.
First State Bank has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 81st. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (51/100, 10.08%).
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 rose 3 points (78 → 81), mostly because the earnings component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 77 |
| Q4 2024 | 76 |
| Q1 2025 | 78 |
| Q2 2025 | 78 |
| Q3 2025 | 78 |
| Q4 2025 | 80 |
| Q1 2026 | 81 |
| Q2 2026 | 81 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.82% |
| Q3 2024 | 10.59% |
| Q4 2024 | 10.23% |
| Q1 2025 | 10.35% |
| Q2 2025 | 10.19% |
| Q3 2025 | 10.32% |
| Q4 2025 | 10.18% |
| Q1 2026 | 10.46% |
| Q2 2026 | 10.08% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.50% |
| Q4 2024 | 0.56% |
| Q1 2025 | 0.06% |
| Q2 2025 | 0.17% |
| Q3 2025 | 0.15% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.46% |
| Q3 2024 | 1.46% |
| Q4 2024 | 1.50% |
| Q1 2025 | 1.15% |
| Q2 2025 | 1.29% |
| Q3 2025 | 1.29% |
| Q4 2025 | 1.40% |
| Q1 2026 | 1.39% |
| Q2 2026 | 1.52% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $308.8M | 10.08% | 0.00% | 1.52% | 60.5% |
| Q1 2026 | 81 | $302.7M | 10.46% | 0.00% | 1.39% | 62.9% |
| Q4 2025 | 80 | $291.8M | 10.18% | 0.00% | 1.40% | 63.9% |
| Q3 2025 | 78 | $289.1M | 10.32% | 0.15% | 1.29% | 63.6% |
| Q2 2025 | 78 | $284.6M | 10.19% | 0.17% | 1.29% | 58.7% |
| Q1 2025 | 78 | $280.8M | 10.35% | 0.06% | 1.15% | 62.3% |
| Q4 2024 | 76 | $273.1M | 10.23% | 0.56% | 1.50% | 60.7% |
| Q3 2024 | 77 | $272.1M | 10.59% | 0.50% | 1.46% | 58.2% |
| Q2 2024 | 82 | $255.5M | 10.82% | 0.13% | 1.46% | 61.7% |
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 |
|---|---|---|---|---|---|
| The Pecos County State BankBank Fort Stockton, TX | 73 out of 100, Strong | $309.4M | 11.6% | 0.98% | vs |
| Citizens BankBank Amarillo, TX | 82 out of 100, Strong | $309.8M | 10.1% | 0.01% | vs |
| Sundown State BankBank Sundown, TX | 79 out of 100, Strong | $307.7M | 11.6% | 0.84% | vs |
| ValueBank TexasBank Corpus Christi, TX | 85 out of 100, Very strong | $303.6M | 12.5% | 0.00% | vs |
| Citizens National Bank at BrownwoodBank Brownwood, TX | 74 out of 100, Strong | $303.4M | 10.5% | 0.74% | vs |
| Community BankBank Longview, TX | 82 out of 100, Strong | $315.5M | 11.9% | 0.00% | vs |
Deposit insurance
Is my money safe at First State Bank?
Yes. First State Bank is an FDIC-insured institution (FDIC certificate #24498). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.9% of deposits ($49.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.08% (benchmark: 10%).
8 locations
Branches
First State Bank lists 7 offices in 6 cities. Most locations:
- Graham, TX (2)
- Archer City, TX (1)
- Jacksboro, TX (1)
- Olney, TX (1)
- Throckmorton, TX (1)
- Woodson, TX (1)
Identity & history
Profile
- Legal name
- First State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 24498
- RSSD ID
- 216164
- Primary regulator
- FDIC
- Holding company
- Woodson Bancshares Inc
- Established
- May 26, 1983
- Headquarters
- 1526 4th St, Graham, TX 76450
- Website
- www.fsbgraham.bank
- Employees
- 51
Quick answers
First State Bank: common questions
Is First State Bank FDIC insured?
Yes. First State Bank is an FDIC-insured institution (FDIC certificate #24498). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First State Bank's TellerScore?
81 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 #24498 in the FDIC failed bank list.
How many branches does First State Bank have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Graham
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers and Merchants BankBank De Leon, TX | 85 out of 100, Very strong | $269.8M | 12.0% | 0.00% | vs |
| Community National Bank & Trust of TexasBank Corsicana, TX | 76 out of 100, Strong | $1.7B | 10.6% | 0.09% | vs |
| Graham Savings and Loan, SSBBank Graham, TX | 72 out of 100, Strong | $155.1M | 11.7% | 0.86% | vs |
| Ciera BankBank Graham, TX | 66 out of 100, Moderate | $992.9M | 11.1% | 1.22% | vs |
| First National Bank TexasBank Killeen, TX | 64 out of 100, Moderate | $4.6B | 9.1% | 1.23% | vs |
| InterBankBank Oklahoma City, OK | 62 out of 100, Moderate | $5.3B | 11.1% | 1.56% | vs |