Headquartered in Bedias, Texas, First State Bank of Bedias is a state-chartered bank with $224.8M in total assets and $184.7M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1907.
First State Bank of Bedias 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 85th. Capital cushion contributes the most (100/100, 17.94%); loan quality contributes the least (33/100, 2.01%).
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 10 points (91 → 81), mostly because the loan quality component weakened by 40 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 94 |
| Q3 2024 | 94 |
| Q4 2024 | 94 |
| Q1 2025 | 94 |
| Q2 2025 | 91 |
| Q3 2025 | 92 |
| Q4 2025 | 93 |
| Q1 2026 | 96 |
| Q2 2026 | 81 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 18.18% |
| Q3 2024 | 18.25% |
| Q4 2024 | 18.52% |
| Q1 2025 | 18.57% |
| Q2 2025 | 18.19% |
| Q3 2025 | 18.01% |
| Q4 2025 | 18.35% |
| Q1 2026 | 18.38% |
| Q2 2026 | 17.94% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.41% |
| Q3 2024 | 0.49% |
| Q4 2024 | 0.44% |
| Q1 2025 | 0.51% |
| Q2 2025 | 0.80% |
| Q3 2025 | 0.74% |
| Q4 2025 | 0.53% |
| Q1 2026 | 0.33% |
| Q2 2026 | 2.01% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 3.04% |
| Q3 2024 | 2.88% |
| Q4 2024 | 2.82% |
| Q1 2025 | 2.26% |
| Q2 2025 | 2.45% |
| Q3 2025 | 2.46% |
| Q4 2025 | 2.41% |
| Q1 2026 | 2.52% |
| Q2 2026 | 2.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $224.8M | 17.94% | 2.01% | 2.58% | 66.6% |
| Q1 2026 | 96 | $221.7M | 18.38% | 0.33% | 2.52% | 66.9% |
| Q4 2025 | 93 | $213.3M | 18.35% | 0.53% | 2.41% | 72.2% |
| Q3 2025 | 92 | $214.2M | 18.01% | 0.74% | 2.46% | 71.2% |
| Q2 2025 | 91 | $208.8M | 18.19% | 0.80% | 2.45% | 72.4% |
| Q1 2025 | 94 | $208.8M | 18.57% | 0.51% | 2.26% | 68.0% |
| Q4 2024 | 94 | $201.1M | 18.52% | 0.44% | 2.82% | 73.2% |
| Q3 2024 | 94 | $202.1M | 18.25% | 0.49% | 2.88% | 73.5% |
| Q2 2024 | 94 | $196.3M | 18.18% | 0.41% | 3.04% | 75.7% |
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 |
|---|---|---|---|---|---|
| Unity National Bank of HoustonBank Houston, TX | 65 out of 100, Moderate | $224.9M | 12.0% | 0.77% | vs |
| Sanger BankBank Sanger, TX | 86 out of 100, Very strong | $224.4M | 16.5% | 0.51% | vs |
| The Citizens National Bank of HillsboroBank Hillsboro, TX | 82 out of 100, Strong | $224.4M | 12.5% | 0.28% | vs |
| Muenster State BankBank Muenster, TX | 98 out of 100, Very strong | $227.0M | 14.8% | 0.00% | vs |
| The First National Bank of AndersonBank Anderson, TX | 81 out of 100, Strong | $230.4M | 12.0% | 0.16% | vs |
| First National Bank of Lake JacksonBank Lake Jackson, TX | 69 out of 100, Moderate | $218.4M | 11.7% | 0.00% | vs |
Deposit insurance
Is my money safe at First State Bank of Bedias?
Yes. First State Bank of Bedias is an FDIC-insured institution (FDIC certificate #16895). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.0% of deposits ($27.7M) 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 17.94%, 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%).
2 locations
Branches
First State Bank of Bedias lists 2 offices in 2 cities. Most locations:
- Bedias, TX (1)
- Bryan, TX (1)
Identity & history
Profile
- Legal name
- First State Bank of Bedias
- Type
- State-chartered bank
- FDIC certificate #
- 16895
- RSSD ID
- 88352
- Primary regulator
- FDIC
- Holding company
- Bedias Financial Corp
- Established
- August 28, 1907
- Headquarters
- 22201 Highway 90 N, Bedias, TX 77831
- Website
- www.bediasbank.com
- Employees
- 23
Quick answers
First State Bank of Bedias: common questions
Is First State Bank of Bedias FDIC insured?
Yes. First State Bank of Bedias is an FDIC-insured institution (FDIC certificate #16895). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First State Bank of Bedias'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 of Bedias ever failed?
There is no failure record for FDIC certificate #16895 in the FDIC failed bank list.
How many branches does First State Bank of Bedias have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Bedias
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank of HuntsvilleBank Huntsville, TX | 90 out of 100, Very strong | $584.9M | 13.3% | 0.05% | vs |
| Brazos Star Credit UnionCredit union College Station, TX | 88 out of 100, Very strong | $35.5M | 15.1% | 0.40% | vs |
| Normangee State BankBank Normangee, TX | 86 out of 100, Very strong | $165.5M | 14.7% | 0.03% | vs |
| The First National Bank of AndersonBank Anderson, TX | 81 out of 100, Strong | $230.4M | 12.0% | 0.16% | vs |
| First National Bank of Central TexasBank Waco, TX | 81 out of 100, Strong | $1.8B | 10.8% | 0.10% | vs |
| First Financial BankBank Abilene, TX | 76 out of 100, Strong | $15.2B | 11.6% | 0.77% | vs |