TellerScore

First State Bank of Ben Wheeler, Texas (FDIC certificate #11904) is based in Ben Wheeler, Texas. Its Q2 2026 call report shows $185.1M in total assets and $156.1M in deposits and 4 offices.

First State Bank of Ben Wheeler, Texas has a TellerScore of 95 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 7th. Capital cushion contributes the most (100/100, 15.66%); earnings contributes the least (80/100, 1.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.66%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.07%
Earnings80/100
Return on assets (annualized): 1.51%
Funding & liquidity97/100
Loans ÷ deposits and uninsured-deposit share: 42.3% · 17.9% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.16%

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 2 points (93 → 95), mostly because the earnings component improved by 14 points.

TellerScore
909396Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202490
Q3 202490
Q4 202490
Q1 202593
Q2 202593
Q3 202593
Q4 202592
Q1 202696
Q2 202695
Tier 1 leverage ratio
5.00%10.33%15.66%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.36%
Q3 202414.44%
Q4 202414.35%
Q1 202514.57%
Q2 202515.07%
Q3 202515.52%
Q4 202515.06%
Q1 202615.30%
Q2 202615.66%
Noncurrent loans
0.00%0.04%0.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.01%
Q1 20260.05%
Q2 20260.07%
Return on assets
1.01%1.30%1.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.05%
Q3 20241.04%
Q4 20241.01%
Q1 20251.29%
Q2 20251.14%
Q3 20251.19%
Q4 20251.10%
Q1 20261.60%
Q2 20261.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202695$185.1M15.66%0.07%1.51%42.3%
Q1 202696$187.1M15.30%0.05%1.60%42.0%
Q4 202592$184.3M15.06%0.01%1.10%43.6%
Q3 202593$181.5M15.52%0.00%1.19%44.3%
Q2 202593$181.7M15.07%0.00%1.14%44.0%
Q1 202593$185.8M14.57%0.00%1.29%43.3%
Q4 202490$186.0M14.35%0.00%1.01%42.9%
Q3 202490$185.8M14.44%0.00%1.04%43.5%
Q2 202490$188.4M14.36%0.00%1.05%42.6%

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 ratio15.66%
89th
Total risk-based capital0.00%
24th
Problem loans0.07%
76th
Net charge-offs-0.04%
95th
Return on assets1.51%
66th
Net interest margin3.28%
19th
Efficiency ratio58.8%
61st
Loans to deposits42.3%
95th
Uninsured deposits17.9%
72nd
Loan-loss reserves1.57%
83rd
Texas ratio0.2%
84th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples BankBank Paris, TX76 out of 100, Strong$185.4M9.6%0.25%vs
First State BankBank Spearman, TX53 out of 100, Below average$184.0M12.6%4.44%vs
First Security State BankBank Cranfills Gap, TX73 out of 100, Strong$183.1M7.6%0.02%vs
First National Bank of Bosque CountyBank Valley Mills, TX82 out of 100, Strong$182.3M12.8%0.72%vs
Peoples State BankBank Shepherd, TX68 out of 100, Moderate$181.2M10.7%1.25%vs
Greater State BankBank Mcallen, TX75 out of 100, Strong$180.2M11.1%0.05%vs

Deposit insurance

Is my money safe at First State Bank of Ben Wheeler, Texas?

Yes. First State Bank of Ben Wheeler, Texas is an FDIC-insured institution (FDIC certificate #11904). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.9% of deposits ($27.9M) 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 15.66%, 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

4 locations

Branches

First State Bank of Ben Wheeler, Texas lists 4 offices in 3 cities. Most locations:

  • Ben Wheeler, TX (2)
  • Canton, TX (1)
  • Edgewood, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
First State Bank of Ben Wheeler, Texas
Type
State-chartered bank
FDIC certificate #
11904
RSSD ID
31657
Primary regulator
FDIC
Established
February 17, 1911
Headquarters
14269 State Highway 64, Ben Wheeler, TX 75754
Employees
30

Quick answers

First State Bank of Ben Wheeler, Texas: common questions

Is First State Bank of Ben Wheeler, Texas FDIC insured?

Yes. First State Bank of Ben Wheeler, Texas is an FDIC-insured institution (FDIC certificate #11904). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank of Ben Wheeler, Texas's TellerScore?

95 out of 100 (Very 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 Ben Wheeler, Texas ever failed?

There is no failure record for FDIC certificate #11904 in the FDIC failed bank list.

How many branches does First State Bank of Ben Wheeler, Texas have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Ben Wheeler

InstitutionScoreAssetsCapitalProblem loansCompare
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
Keystone Credit UnionCredit union Tyler, TX80 out of 100, Strong$40.2M27.4%0.68%vs
The City National Bank of Sulphur SpringsBank Sulphur Springs, TX78 out of 100, Strong$1.4B9.8%0.15%vs
Salt Employees Federal Credit UnionCredit union Grand Saline, TX77 out of 100, Strong$1.5M44.7%0.00%vs
McMurrey Federal Credit UnionCredit union Tyler, TX76 out of 100, Strong$22.0M15.1%0.78%vs