First State Bank of San Diego is a state-chartered bank headquartered in San Diego, Texas, in business for about 72 years. At the end of Q2 2026 it reported $68.2M in total assets and $61.9M in deposits, with 1 office.
Based on its Q2 2026 filing, First State Bank of San Diego scores 36/100, which we describe as low. That is higher than only 2% of 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 347th. Its strongest component is problem-loan coverage (87/100; 6.3%), and its lowest is earnings (0/100; -0.55%).
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 16 points (52 → 36), mostly because the earnings component weakened by 59 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 54 |
| Q4 2024 | 52 |
| Q1 2025 | 51 |
| Q2 2025 | 52 |
| Q3 2025 | 56 |
| Q4 2025 | 54 |
| Q1 2026 | 40 |
| Q2 2026 | 36 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.62% |
| Q3 2024 | 9.19% |
| Q4 2024 | 9.12% |
| Q1 2025 | 8.34% |
| Q2 2025 | 8.55% |
| Q3 2025 | 9.06% |
| Q4 2025 | 9.14% |
| Q1 2026 | 8.35% |
| Q2 2026 | 9.02% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.70% |
| Q3 2024 | 1.86% |
| Q4 2024 | 1.97% |
| Q1 2025 | 1.77% |
| Q2 2025 | 1.95% |
| Q3 2025 | 1.63% |
| Q4 2025 | 1.79% |
| Q1 2026 | 1.94% |
| Q2 2026 | 2.65% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.90% |
| Q3 2024 | 0.93% |
| Q4 2024 | 0.94% |
| Q1 2025 | 0.84% |
| Q2 2025 | 0.97% |
| Q3 2025 | 0.91% |
| Q4 2025 | 0.88% |
| Q1 2026 | -0.93% |
| Q2 2026 | -0.55% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 36 | $68.2M | 9.02% | 2.65% | -0.55% | 24.1% |
| Q1 2026 | 40 | $73.0M | 8.35% | 1.94% | -0.93% | 24.8% |
| Q4 2025 | 54 | $73.7M | 9.14% | 1.79% | 0.88% | 25.5% |
| Q3 2025 | 56 | $69.1M | 9.06% | 1.63% | 0.91% | 30.9% |
| Q2 2025 | 52 | $76.5M | 8.55% | 1.95% | 0.97% | 27.7% |
| Q1 2025 | 51 | $78.0M | 8.34% | 1.77% | 0.84% | 27.0% |
| Q4 2024 | 52 | $73.3M | 9.12% | 1.97% | 0.94% | 27.7% |
| Q3 2024 | 54 | $72.5M | 9.19% | 1.86% | 0.93% | 30.1% |
| Q2 2024 | 62 | $73.4M | 8.62% | 0.70% | 0.90% | 30.1% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| First Federal Bank Littlefield, TexasBank Littlefield, TX | 82 out of 100, Strong | $67.9M | 17.4% | 0.44% | vs |
| Haskell National BankBank Haskell, TX | 88 out of 100, Very strong | $72.6M | 13.6% | 0.00% | vs |
| Kress National BankBank Kress, TX | 76 out of 100, Strong | $63.7M | 9.6% | 0.00% | vs |
| Citizens State Bank of LulingBank Luling, TX | 69 out of 100, Moderate | $73.8M | 21.5% | 1.68% | vs |
| City National BankBank Corsicana, TX | 54 out of 100, Below average | $62.0M | 13.5% | 2.65% | vs |
| Commerce Bank TexasBank Stockdale, TX | 51 out of 100, Below average | $60.6M | 12.7% | 2.64% | vs |
Deposit insurance
Is my money safe at First State Bank of San Diego?
Yes. First State Bank of San Diego is an FDIC-insured institution (FDIC certificate #17350). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.1% of deposits ($18.0M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.02%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 28.95% (benchmark: 10%).
1 location
Branches
First State Bank of San Diego lists 1 office in 1 city. Most locations:
- San Diego, TX (1)
Identity & history
Profile
- Legal name
- First State Bank of San Diego
- Type
- State-chartered bank
- FDIC certificate #
- 17350
- RSSD ID
- 578862
- Primary regulator
- FDIC
- Holding company
- San Diego Bancshares Inc
- Established
- August 9, 1954
- Headquarters
- 209 E Gravis St, San Diego, TX 78384
- Website
- www.fsbsandiego.com
- Employees
- 20
Quick answers
First State Bank of San Diego: common questions
Is First State Bank of San Diego FDIC insured?
Yes. First State Bank of San Diego is an FDIC-insured institution (FDIC certificate #17350). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First State Bank of San Diego's TellerScore?
36 out of 100 (Low), 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 San Diego ever failed?
There is no failure record for FDIC certificate #17350 in the FDIC failed bank list.
How many branches does First State Bank of San Diego have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near San Diego
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| International Bank of CommerceBank Zapata, TX | 93 out of 100, Very strong | $567.8M | 13.6% | 0.07% | vs |
| Bank of South TexasBank Mcallen, TX | 86 out of 100, Very strong | $174.5M | 16.6% | 0.23% | vs |
| ValueBank TexasBank Corpus Christi, TX | 85 out of 100, Very strong | $303.6M | 12.5% | 0.00% | vs |
| Freedom BankBank Alamo, TX | 80 out of 100, Strong | $301.2M | 12.2% | 0.17% | vs |
| Chemcel Federal Credit UnionCredit union Bishop, TX | 74 out of 100, Strong | $184.0M | 12.1% | 0.75% | vs |
| First Community BankBank Corpus Christi, TX | 74 out of 100, Strong | $662.8M | 12.4% | 0.67% | vs |