TellerScore

Headquartered in Odem, Texas, First State Bank of Odem is a state-chartered bank with $212.6M in total assets and $181.0M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1945.

First State Bank of Odem 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 6th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (79/100, 57% loans-to-deposits, 34% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion94/100
Tier 1 leverage ratio: 14.39%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 2.40%
Funding & liquidity79/100
Loans ÷ deposits and uninsured-deposit share: 57.0% · 34.2% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 (97 → 95), mostly because the capital cushion component weakened by 6 points.

TellerScore
939597Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202493
Q3 202497
Q4 202497
Q1 202597
Q2 202597
Q3 202593
Q4 202594
Q1 202693
Q2 202695
Tier 1 leverage ratio
5.00%11.03%17.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.70%
Q3 202415.40%
Q4 202415.83%
Q1 202516.66%
Q2 202517.06%
Q3 202513.60%
Q4 202513.85%
Q1 202613.84%
Q2 202614.39%
Noncurrent loans
0.00%0.26%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.52%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.06%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
2.15%2.49%2.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.72%
Q3 20242.63%
Q4 20242.70%
Q1 20252.20%
Q2 20252.43%
Q3 20252.15%
Q4 20252.18%
Q1 20262.82%
Q2 20262.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202695$212.6M14.39%0.00%2.40%57.0%
Q1 202693$215.1M13.84%0.00%2.82%52.4%
Q4 202594$201.3M13.85%0.00%2.18%53.8%
Q3 202593$204.5M13.60%0.06%2.15%53.0%
Q2 202597$204.2M17.06%0.00%2.43%58.6%
Q1 202597$202.2M16.66%0.00%2.20%59.4%
Q4 202497$201.0M15.83%0.00%2.70%56.5%
Q3 202497$208.4M15.40%0.00%2.63%52.9%
Q2 202493$195.0M15.70%0.52%2.72%59.3%

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 ratio14.39%
83rd
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs-0.72%
100th
Return on assets2.40%
94th
Net interest margin5.26%
95th
Efficiency ratio50.7%
82nd
Loans to deposits57.0%
86th
Uninsured deposits34.2%
18th
Loan-loss reserves2.76%
98th
Texas ratio0.0%
95th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
The Perryton National BankBank Perryton, TX88 out of 100, Very strong$212.7M16.4%0.36%vs
The Community BankBank Bridgeport, TX62 out of 100, Moderate$211.8M10.6%1.64%vs
First Texas National BankBank Floydada, TX76 out of 100, Strong$216.9M9.7%0.00%vs
First National Bank of Lake JacksonBank Lake Jackson, TX69 out of 100, Moderate$218.4M11.7%0.00%vs
BOC BankBank Mclean, TX81 out of 100, Strong$203.4M12.4%0.00%vs
Lone Star BankBank Houston, TX77 out of 100, Strong$202.3M12.7%0.29%vs

Deposit insurance

Is my money safe at First State Bank of Odem?

Yes. First State Bank of Odem is an FDIC-insured institution (FDIC certificate #16334). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.2% of deposits ($62.0M) 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 14.39%, 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

5 locations

Branches

First State Bank of Odem lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First State Bank of Odem
Type
State-chartered bank
FDIC certificate #
16334
RSSD ID
776369
Primary regulator
FDIC
Holding company
Mustang Holdings Group Llc
Established
November 12, 1945
Headquarters
201 Main St, Odem, TX 78370
Employees
33

Quick answers

First State Bank of Odem: common questions

Is First State Bank of Odem FDIC insured?

Yes. First State Bank of Odem is an FDIC-insured institution (FDIC certificate #16334). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank of Odem'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 Odem ever failed?

There is no failure record for FDIC certificate #16334 in the FDIC failed bank list.

How many branches does First State Bank of Odem have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Odem

InstitutionScoreAssetsCapitalProblem loansCompare
Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX96 out of 100, Very strong$17.1M20.3%0.00%vs
Members First Credit UnionCredit union Corpus Christi, TX87 out of 100, Very strong$183.2M24.0%1.04%vs
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
Nce Credit UnionCredit union Corpus Christi, TX85 out of 100, Very strong$5.9M20.8%0.00%vs
ValueBank TexasBank Corpus Christi, TX85 out of 100, Very strong$303.6M12.5%0.00%vs
Rally Credit UnionCredit union Corpus Christi, TX76 out of 100, Strong$4.8B14.0%0.75%vs