Headquartered in Burnet, Texas, First State Bank of Burnet is a state-chartered bank with $325.8M in total assets and $289.0M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1908.
First State Bank of Burnet has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 90% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 40th. Problem-loan coverage contributes the most (99/100, 0.6%); capital cushion contributes the least (75/100, 12.53%).
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 2 points (84 → 86), mostly because the earnings component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 83 |
| Q4 2024 | 83 |
| Q1 2025 | 83 |
| Q2 2025 | 84 |
| Q3 2025 | 85 |
| Q4 2025 | 85 |
| Q1 2026 | 86 |
| Q2 2026 | 86 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.22% |
| Q3 2024 | 12.54% |
| Q4 2024 | 12.47% |
| Q1 2025 | 12.34% |
| Q2 2025 | 12.03% |
| Q3 2025 | 12.25% |
| Q4 2025 | 12.30% |
| Q1 2026 | 12.47% |
| Q2 2026 | 12.53% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.01% |
| Q2 2025 | 0.02% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.13% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.97% |
| Q3 2024 | 0.96% |
| Q4 2024 | 1.03% |
| Q1 2025 | 1.12% |
| Q2 2025 | 1.34% |
| Q3 2025 | 1.39% |
| Q4 2025 | 1.46% |
| Q1 2026 | 1.47% |
| Q2 2026 | 1.61% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $325.8M | 12.53% | 0.13% | 1.61% | 61.7% |
| Q1 2026 | 86 | $331.0M | 12.47% | 0.00% | 1.47% | 62.3% |
| Q4 2025 | 85 | $322.7M | 12.30% | 0.00% | 1.46% | 63.1% |
| Q3 2025 | 85 | $315.8M | 12.25% | 0.00% | 1.39% | 57.9% |
| Q2 2025 | 84 | $316.8M | 12.03% | 0.02% | 1.34% | 52.1% |
| Q1 2025 | 83 | $325.6M | 12.34% | 0.01% | 1.12% | 48.4% |
| Q4 2024 | 83 | $294.1M | 12.47% | 0.00% | 1.03% | 50.4% |
| Q3 2024 | 83 | $294.7M | 12.54% | 0.00% | 0.96% | 47.1% |
| Q2 2024 | 82 | $296.9M | 12.22% | 0.00% | 0.97% | 43.9% |
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 |
|---|---|---|---|---|---|
| Columbus State BankBank Columbus, TX | 86 out of 100, Very strong | $326.5M | 14.5% | 0.00% | vs |
| Commercial National Bank of TexarkanaBank Texarkana, TX | 58 out of 100, Moderate | $330.1M | 10.0% | 1.99% | vs |
| Texana Bank, National AssociationBank Linden, TX | 53 out of 100, Below average | $330.6M | 9.1% | 1.36% | vs |
| The First National Bank of Hughes SpringsBank Hughes Springs, TX | 63 out of 100, Moderate | $319.5M | 11.0% | 2.23% | vs |
| Global One BankBank Houston, TX | 84 out of 100, Strong | $333.2M | 14.5% | 0.27% | 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 of Burnet?
Yes. First State Bank of Burnet is an FDIC-insured institution (FDIC certificate #11557). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.1% of deposits ($78.3M) 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 12.53%, 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%).
4 locations
Branches
First State Bank of Burnet lists 3 offices in 3 cities. Most locations:
- Burnet, TX (1)
- Lampasas, TX (1)
- Plainview, TX (1)
Identity & history
Profile
- Legal name
- First State Bank of Burnet
- Type
- State-chartered bank
- FDIC certificate #
- 11557
- RSSD ID
- 303653
- Primary regulator
- FDIC
- Established
- October 24, 1908
- Headquarters
- 136 E Washington St, Burnet, TX 78611
- Website
- www.fsbburnet.bank
- Employees
- 44
Quick answers
First State Bank of Burnet: common questions
Is First State Bank of Burnet FDIC insured?
Yes. First State Bank of Burnet is an FDIC-insured institution (FDIC certificate #11557). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First State Bank of Burnet's TellerScore?
86 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 Burnet ever failed?
There is no failure record for FDIC certificate #11557 in the FDIC failed bank list.
How many branches does First State Bank of Burnet have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Burnet
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Arrowhead BankBank Llano, TX | 87 out of 100, Very strong | $295.3M | 11.9% | 0.00% | vs |
| ValueBank TexasBank Corpus Christi, TX | 85 out of 100, Very strong | $303.6M | 12.5% | 0.00% | vs |
| Llano National BankBank Llano, TX | 80 out of 100, Strong | $301.1M | 13.1% | 0.45% | vs |
| First Texas BankBank Georgetown, TX | 80 out of 100, Strong | $1.3B | 11.2% | 0.58% | vs |
| The Commercial National Bank of BradyBank Brady, TX | 78 out of 100, Strong | $425.4M | 10.2% | 0.00% | vs |
| Austin Telco Federal Credit UnionCredit union Austin, TX | 78 out of 100, Strong | $2.5B | 14.0% | 0.35% | vs |