TellerScore

Headquartered in Brownsboro, Texas, First State Bank of Brownsboro is a state-chartered bank with $139.9M in total assets and $129.6M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1917.

Based on its Q2 2026 filing, First State Bank of Brownsboro scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 195th. Its strongest component is problem-loan coverage (92/100; 3.9%), and its lowest is capital cushion (54/100; 10.36%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Tier 1 leverage ratio: 10.36%
Loan quality83/100
Noncurrent loans ÷ total loans: 0.52%
Earnings74/100
Return on assets (annualized): 1.35%
Funding & liquidity82/100
Loans ÷ deposits and uninsured-deposit share: 50.2% · 31.0% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.86%

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 3 points (76 → 73), mostly because the earnings component improved by 15 points.

TellerScore
687276Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202470
Q3 202474
Q4 202471
Q1 202575
Q2 202576
Q3 202574
Q4 202568
Q1 202674
Q2 202673
Tier 1 leverage ratio
5.00%8.12%11.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.62%
Q3 202411.03%
Q4 202410.87%
Q1 202510.81%
Q2 202511.07%
Q3 202511.23%
Q4 202510.57%
Q1 202610.31%
Q2 202610.36%
Noncurrent loans
0.23%0.41%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.51%
Q3 20240.26%
Q4 20240.26%
Q1 20250.23%
Q2 20250.24%
Q3 20250.42%
Q4 20250.60%
Q1 20260.50%
Q2 20260.52%
Return on assets
0.60%1.02%1.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.81%
Q3 20240.79%
Q4 20240.60%
Q1 20251.02%
Q2 20250.97%
Q3 20251.01%
Q4 20250.79%
Q1 20261.43%
Q2 20261.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$139.9M10.36%0.52%1.35%50.2%
Q1 202674$139.7M10.31%0.50%1.43%48.8%
Q4 202568$137.6M10.57%0.60%0.79%49.6%
Q3 202574$131.6M11.23%0.42%1.01%51.8%
Q2 202576$124.8M11.07%0.24%0.97%52.8%
Q1 202575$127.2M10.81%0.23%1.02%51.6%
Q4 202471$125.5M10.87%0.26%0.60%49.6%
Q3 202474$123.6M11.03%0.26%0.79%50.7%
Q2 202470$125.3M10.62%0.51%0.81%50.2%

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 ratio10.36%
39th
Total risk-based capital0.00%
24th
Problem loans0.52%
45th
Net charge-offs0.02%
40th
Return on assets1.35%
56th
Net interest margin3.84%
45th
Efficiency ratio67.5%
35th
Loans to deposits50.2%
92nd
Uninsured deposits31.0%
25th
Loan-loss reserves0.99%
25th
Texas ratio3.9%
42nd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples State BankBank Rocksprings, TX80 out of 100, Strong$140.0M11.0%0.10%vs
Spur Security BankBank Spur, TX77 out of 100, Strong$140.6M12.4%0.00%vs
Texas National BankBank Sweetwater, TX74 out of 100, Strong$139.1M11.0%0.00%vs
The Buckholts State BankBank Buckholts, TX96 out of 100, Very strong$138.8M17.6%0.02%vs
Marion State BankBank Marion, TX77 out of 100, Strong$142.0M14.7%1.87%vs
Pointwest BankBank West, TX90 out of 100, Very strong$137.3M12.5%0.00%vs

Deposit insurance

Is my money safe at First State Bank of Brownsboro?

Yes. First State Bank of Brownsboro is an FDIC-insured institution (FDIC certificate #11181). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.0% of deposits ($40.2M) 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 10.36%, 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

3 locations

Branches

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

All branch addresses and map

Identity & history

Profile

Legal name
First State Bank of Brownsboro
Type
State-chartered bank
FDIC certificate #
11181
RSSD ID
229454
Primary regulator
FDIC
Holding company
Brownsboro Bancshares Inc
Established
February 17, 1917
Headquarters
14225 State Highway 31 E, Brownsboro, TX 75756
Employees
23

Quick answers

First State Bank of Brownsboro: common questions

Is First State Bank of Brownsboro FDIC insured?

Yes. First State Bank of Brownsboro is an FDIC-insured institution (FDIC certificate #11181). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank of Brownsboro's TellerScore?

73 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 Brownsboro ever failed?

There is no failure record for FDIC certificate #11181 in the FDIC failed bank list.

How many branches does First State Bank of Brownsboro have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Brownsboro

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank of Ben Wheeler, TexasBank Ben Wheeler, TX95 out of 100, Very strong$185.1M15.7%0.07%vs
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
Citizens 1st BankBank Tyler, TX83 out of 100, Strong$811.0M20.5%0.53%vs
Highway Employees Credit UnionCredit union Tyler, TX81 out of 100, Strong$1.8M29.2%0.04%vs
Keystone Credit UnionCredit union Tyler, TX80 out of 100, Strong$40.2M27.4%0.68%vs