Headquartered in Uvalde, Texas, First State Bank of Uvalde is a state-chartered bank with $1.7B in total assets and $1.5B in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1907.
First State Bank of Uvalde has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 159th. Capital cushion contributes the most (100/100, 15.66%); funding & liquidity contributes the least (52/100, 45% loans-to-deposits, 58% uninsured).
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 8 points (67 → 75), mostly because the capital cushion component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 76 |
| Q4 2024 | 78 |
| Q1 2025 | 72 |
| Q2 2025 | 67 |
| Q3 2025 | 69 |
| Q4 2025 | 68 |
| Q1 2026 | 75 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.57% |
| Q3 2024 | 13.32% |
| Q4 2024 | 13.90% |
| Q1 2025 | 13.41% |
| Q2 2025 | 13.76% |
| Q3 2025 | 14.33% |
| Q4 2025 | 14.57% |
| Q1 2026 | 15.23% |
| Q2 2026 | 15.66% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.71% |
| Q3 2024 | 0.45% |
| Q4 2024 | 0.42% |
| Q1 2025 | 0.86% |
| Q2 2025 | 1.49% |
| Q3 2025 | 1.55% |
| Q4 2025 | 1.77% |
| Q1 2026 | 1.26% |
| Q2 2026 | 1.27% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.04% |
| Q3 2024 | 1.06% |
| Q4 2024 | 1.05% |
| Q1 2025 | 0.99% |
| Q2 2025 | 0.95% |
| Q3 2025 | 1.01% |
| Q4 2025 | 1.09% |
| Q1 2026 | 1.22% |
| Q2 2026 | 1.19% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $1.7B | 15.66% | 1.27% | 1.19% | 45.2% |
| Q1 2026 | 75 | $1.8B | 15.23% | 1.26% | 1.22% | 43.1% |
| Q4 2025 | 68 | $1.8B | 14.57% | 1.77% | 1.09% | 42.2% |
| Q3 2025 | 69 | $1.8B | 14.33% | 1.55% | 1.01% | 42.8% |
| Q2 2025 | 67 | $1.8B | 13.76% | 1.49% | 0.95% | 42.0% |
| Q1 2025 | 72 | $1.8B | 13.41% | 0.86% | 0.99% | 43.0% |
| Q4 2024 | 78 | $1.8B | 13.90% | 0.42% | 1.05% | 42.5% |
| Q3 2024 | 76 | $1.9B | 13.32% | 0.45% | 1.06% | 40.2% |
| Q2 2024 | 62 | $1.9B | 12.57% | 1.71% | 1.04% | 38.7% |
897 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| Commercial Bank of Texas, National AssociationBank Nacogdoches, TX | 77 out of 100, Strong | $1.7B | 10.6% | 0.14% | vs |
| Community National Bank & Trust of TexasBank Corsicana, TX | 76 out of 100, Strong | $1.7B | 10.6% | 0.09% | vs |
| Benchmark BankBank Plano, TX | 60 out of 100, Moderate | $1.6B | 8.5% | 0.18% | vs |
| First National Bank of Central TexasBank Waco, TX | 81 out of 100, Strong | $1.8B | 10.8% | 0.10% | vs |
| North Dallas Bank & Trust Co.Bank Dallas, TX | 51 out of 100, Below average | $1.8B | 10.2% | 1.54% | vs |
| The Moody National BankBank Galveston, TX | 73 out of 100, Strong | $1.5B | 15.9% | 1.03% | vs |
Deposit insurance
Is my money safe at First State Bank of Uvalde?
Yes. First State Bank of Uvalde is an FDIC-insured institution (FDIC certificate #9978). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 58.3% of deposits ($854.2M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.66%, 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%).
8 locations
Branches
First State Bank of Uvalde lists 7 offices in 7 cities. Most locations:
- Camp Wood, TX (1)
- Carrizo Springs, TX (1)
- Concan, TX (1)
- Leakey, TX (1)
- Sabinal, TX (1)
- Utopia, TX (1)
- Uvalde, TX (1)
Identity & history
Profile
- Legal name
- First State Bank of Uvalde
- Type
- State-chartered bank
- FDIC certificate #
- 9978
- RSSD ID
- 273662
- Primary regulator
- FDIC
- Holding company
- Briscoe Ranch Inc
- Established
- July 6, 1907
- Headquarters
- 200 E Nopal St, Uvalde, TX 78801
- Website
- www.fsbuvalde.bank
- Employees
- 136
Quick answers
First State Bank of Uvalde: common questions
Is First State Bank of Uvalde FDIC insured?
Yes. First State Bank of Uvalde is an FDIC-insured institution (FDIC certificate #9978). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First State Bank of Uvalde's TellerScore?
75 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 Uvalde ever failed?
There is no failure record for FDIC certificate #9978 in the FDIC failed bank list.
How many branches does First State Bank of Uvalde have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Uvalde
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Zavala County BankBank Crystal City, TX | 93 out of 100, Very strong | $79.0M | 15.7% | 0.03% | vs |
| First National Bank TexasBank Killeen, TX | 64 out of 100, Moderate | $4.6B | 9.1% | 1.23% | vs |
| TXN BankBank Hondo, TX | 64 out of 100, Moderate | $669.2M | 9.7% | 0.98% | vs |
| Security Service Federal Credit UnionCredit union San Antonio, TX | 61 out of 100, Moderate | $14.4B | 11.3% | 1.03% | vs |