Headquartered in Orange, Texas, First State Bank of Texas is a state-chartered bank with $353.6M in total assets and $316.3M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1914.
First State Bank of Texas has a TellerScore of 39 out of 100 (low) based on Q2 2026 data — higher than only 2% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 346th. Funding & liquidity contributes the most (67/100, 81% loans-to-deposits, 26% uninsured); loan quality contributes the least (5/100, 2.85%).
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 15 points (54 → 39), mostly because the loan quality component weakened by 64 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 72 |
| Q4 2024 | 70 |
| Q1 2025 | 61 |
| Q2 2025 | 54 |
| Q3 2025 | 55 |
| Q4 2025 | 58 |
| Q1 2026 | 65 |
| Q2 2026 | 39 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.31% |
| Q3 2024 | 10.33% |
| Q4 2024 | 9.49% |
| Q1 2025 | 8.76% |
| Q2 2025 | 8.69% |
| Q3 2025 | 9.05% |
| Q4 2025 | 9.11% |
| Q1 2026 | 9.11% |
| Q2 2026 | 9.20% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.66% |
| Q3 2024 | 0.75% |
| Q4 2024 | 0.65% |
| Q1 2025 | 0.64% |
| Q2 2025 | 0.94% |
| Q3 2025 | 1.00% |
| Q4 2025 | 0.83% |
| Q1 2026 | 0.47% |
| Q2 2026 | 2.85% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.56% |
| Q3 2024 | 1.53% |
| Q4 2024 | 1.41% |
| Q1 2025 | 0.57% |
| Q2 2025 | -0.01% |
| Q3 2025 | 0.29% |
| Q4 2025 | 0.52% |
| Q1 2026 | 1.04% |
| Q2 2026 | 0.57% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 39 | $353.6M | 9.20% | 2.85% | 0.57% | 81.1% |
| Q1 2026 | 65 | $349.0M | 9.11% | 0.47% | 1.04% | 82.2% |
| Q4 2025 | 58 | $368.7M | 9.11% | 0.83% | 0.52% | 78.1% |
| Q3 2025 | 55 | $356.3M | 9.05% | 1.00% | 0.29% | 73.7% |
| Q2 2025 | 54 | $349.9M | 8.69% | 0.94% | -0.01% | 66.3% |
| Q1 2025 | 61 | $347.2M | 8.76% | 0.64% | 0.57% | 68.6% |
| Q4 2024 | 70 | $337.5M | 9.49% | 0.65% | 1.41% | 69.2% |
| Q3 2024 | 72 | $297.3M | 10.33% | 0.75% | 1.53% | 74.7% |
| Q2 2024 | 72 | $285.1M | 10.31% | 0.66% | 1.56% | 81.0% |
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 |
|---|---|---|---|---|---|
| The Waggoner National Bank of VernonBank Vernon, TX | 88 out of 100, Very strong | $353.7M | 14.4% | 0.66% | vs |
| First National Bank of GiddingsBank Giddings, TX | 57 out of 100, Moderate | $356.2M | 11.2% | 2.07% | vs |
| Ozona BankBank Ozona, TX | 79 out of 100, Strong | $346.1M | 12.3% | 0.00% | vs |
| First National Bank in Port LavacaBank Port Lavaca, TX | 54 out of 100, Below average | $361.3M | 13.0% | 2.39% | vs |
| First National Bank of HerefordBank Hereford, TX | 84 out of 100, Strong | $344.6M | 12.3% | 0.05% | vs |
| The National Bank of AndrewsBank Andrews, TX | 49 out of 100, Below average | $340.5M | 10.1% | 3.05% | vs |
Deposit insurance
Is my money safe at First State Bank of Texas?
Yes. First State Bank of Texas is an FDIC-insured institution (FDIC certificate #11922). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.0% of deposits ($82.4M) 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 9.20%, 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%).
6 locations
Branches
First State Bank of Texas lists 6 offices in 6 cities. Most locations:
- Beaumont, TX (1)
- Orange, TX (1)
- Spring, TX (1)
- Three Rivers, TX (1)
- Tomball, TX (1)
- Vidor, TX (1)
Identity & history
Profile
- Legal name
- First State Bank of Texas
- Former names
- First State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 11922
- RSSD ID
- 190563
- Primary regulator
- FDIC
- Holding company
- County Bancshares Inc
- Established
- August 12, 1914
- Headquarters
- 4039 I-10 East, Orange, TX 77630
- Website
- www.fsboftx.com
- Employees
- 67
Quick answers
First State Bank of Texas: common questions
Is First State Bank of Texas FDIC insured?
Yes. First State Bank of Texas is an FDIC-insured institution (FDIC certificate #11922). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First State Bank of Texas's TellerScore?
39 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 Texas ever failed?
There is no failure record for FDIC certificate #11922 in the FDIC failed bank list.
How many branches does First State Bank of Texas have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Orange
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Port Arthur Teachers Federal Credit UnionCredit union Port Arthur, TX | 94 out of 100, Very strong | $38.0M | 14.9% | 0.35% | vs |
| Neches Federal Credit UnionCredit union Port Neches, TX | 93 out of 100, Very strong | $1.2B | 14.7% | 0.20% | vs |
| Dugood Federal Credit UnionCredit union Beaumont, TX | 87 out of 100, Very strong | $609.4M | 13.4% | 0.09% | vs |
| Common Cents Federal Credit UnionCredit union Beaumont, TX | 87 out of 100, Very strong | $34.2M | 12.1% | 0.30% | vs |
| Synergy Federal Credit UnionCredit union San Antonio, TX | 86 out of 100, Very strong | $334.2M | 15.8% | 0.29% | vs |
| Calcasieu Teachers and Employees Credit UnionCredit union Lake Charles, LA | 86 out of 100, Very strong | $62.9M | 16.3% | 0.13% | vs |