TellerScore

Headquartered in Carthage, Texas, First State Bank and Trust Company is a state-chartered bank with $547.4M in total assets and $490.6M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1902.

First State Bank and Trust Company has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 266th. Capital cushion contributes the most (90/100, 14.00%); loan quality contributes the least (35/100, 1.96%).

TellerScore · Q2 2026

Scorecard

Capital cushion90/100
Tier 1 leverage ratio: 14.00%
Loan quality35/100
Noncurrent loans ÷ total loans: 1.96%
Earnings59/100
Return on assets (annualized): 0.97%
Funding & liquidity60/100
Loans ÷ deposits and uninsured-deposit share: 36.5% · 51.4% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.56%

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 (67 → 65), mostly because the earnings component improved by 15 points.

TellerScore
636668Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202467
Q4 202466
Q1 202568
Q2 202567
Q3 202565
Q4 202563
Q1 202664
Q2 202665
Tier 1 leverage ratio
5.00%9.87%14.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.64%
Q3 202413.97%
Q4 202414.07%
Q1 202514.30%
Q2 202514.56%
Q3 202514.73%
Q4 202514.44%
Q1 202613.98%
Q2 202614.00%
Noncurrent loans
1.13%1.63%2.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.13%
Q3 20241.34%
Q4 20241.37%
Q1 20251.36%
Q2 20251.66%
Q3 20251.93%
Q4 20252.02%
Q1 20262.14%
Q2 20261.96%
Return on assets
0.36%0.69%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.36%
Q3 20240.37%
Q4 20240.41%
Q1 20250.51%
Q2 20250.60%
Q3 20250.63%
Q4 20250.64%
Q1 20261.03%
Q2 20260.97%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$547.4M14.00%1.96%0.97%36.5%
Q1 202664$552.2M13.98%2.14%1.03%36.2%
Q4 202563$541.9M14.44%2.02%0.64%37.1%
Q3 202565$531.5M14.73%1.93%0.63%40.0%
Q2 202567$531.4M14.56%1.66%0.60%40.9%
Q1 202568$541.3M14.30%1.36%0.51%39.7%
Q4 202466$541.3M14.07%1.37%0.41%39.6%
Q3 202467$558.4M13.97%1.34%0.37%39.8%
Q2 202467$564.5M13.64%1.13%0.36%39.1%

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 ratio14.00%
82nd
Total risk-based capital0.00%
24th
Problem loans1.96%
13th
Net charge-offs0.19%
13th
Return on assets0.97%
32nd
Net interest margin2.69%
5th
Efficiency ratio61.6%
52nd
Loans to deposits36.5%
97th
Uninsured deposits51.4%
4th
Loan-loss reserves0.82%
12th
Texas ratio6.6%
28th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of TexasBank Midland, TX75 out of 100, Strong$543.6M13.0%0.48%vs
Fayette Savings Bank, SSBBank La Grange, TX81 out of 100, Strong$551.8M11.0%0.01%vs
Austin County State BankBank Bellville, TX75 out of 100, Strong$543.0M9.5%0.37%vs
Herring BankBank Amarillo, TX66 out of 100, Moderate$540.5M12.2%0.55%vs
Texas Traditions BankBank Katy, TX69 out of 100, Moderate$555.9M9.4%0.00%vs
First Commercial Bank, National AssociationBank Seguin, TX73 out of 100, Strong$565.9M10.3%0.45%vs

Deposit insurance

Is my money safe at First State Bank and Trust Company?

Yes. First State Bank and Trust Company is an FDIC-insured institution (FDIC certificate #11559). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 51.4% of deposits ($252.3M) 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 14.00%, 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 and Trust Company lists 1 office in 1 city. Most locations:

  • Carthage, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
First State Bank and Trust Company
Former names
First State Bank
Type
State-chartered bank
FDIC certificate #
11559
RSSD ID
1012251
Primary regulator
FDIC
Holding company
Murphy-Payne Investments Ltd
Established
February 27, 1902
Headquarters
110 W Panola St, Carthage, TX 75633
Employees
51

Quick answers

First State Bank and Trust Company: common questions

Is First State Bank and Trust Company FDIC insured?

Yes. First State Bank and Trust Company is an FDIC-insured institution (FDIC certificate #11559). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank and Trust Company's TellerScore?

65 out of 100 (Moderate), 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 and Trust Company ever failed?

There is no failure record for FDIC certificate #11559 in the FDIC failed bank list.

How many branches does First State Bank and Trust Company have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Carthage

InstitutionScoreAssetsCapitalProblem loansCompare
Eastman Credit UnionCredit union Kingsport, TN91 out of 100, Very strong$10.2B14.9%0.31%vs
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs
Farmers State BankBank Center, TX89 out of 100, Very strong$391.5M14.4%0.59%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
Community Bank of LouisianaBank Mansfield, LA74 out of 100, Strong$852.9M10.1%0.01%vs
VeraBank, National AssociationBank Henderson, TX72 out of 100, Strong$4.6B11.0%0.96%vs