The First Bank of Celeste is a state-chartered bank headquartered in Celeste, Texas, in business for about 126 years. At the end of Q2 2026 it reported $83.9M in total assets and $76.3M in deposits, with 1 office.
Based on its Q2 2026 filing, The First Bank of Celeste scores 75/100, which we describe as strong. That is higher than 54% of 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 169th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (34/100; 8.39%).
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 3 points (72 → 75), mostly because the capital cushion component improved by 4 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 74 |
| Q4 2024 | 73 |
| Q1 2025 | 73 |
| Q2 2025 | 72 |
| Q3 2025 | 72 |
| Q4 2025 | 73 |
| Q1 2026 | 74 |
| Q2 2026 | 75 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.80% |
| Q3 2024 | 7.91% |
| Q4 2024 | 7.86% |
| Q1 2025 | 8.04% |
| Q2 2025 | 7.97% |
| Q3 2025 | 7.94% |
| Q4 2025 | 8.05% |
| Q1 2026 | 8.34% |
| Q2 2026 | 8.39% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.02% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.37% |
| Q3 2024 | 1.39% |
| Q4 2024 | 1.37% |
| Q1 2025 | 1.25% |
| Q2 2025 | 1.26% |
| Q3 2025 | 1.28% |
| Q4 2025 | 1.29% |
| Q1 2026 | 1.24% |
| Q2 2026 | 1.35% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $83.9M | 8.39% | 0.00% | 1.35% | 39.9% |
| Q1 2026 | 74 | $83.7M | 8.34% | 0.00% | 1.24% | 38.1% |
| Q4 2025 | 73 | $83.0M | 8.05% | 0.00% | 1.29% | 36.2% |
| Q3 2025 | 72 | $85.9M | 7.94% | 0.00% | 1.28% | 35.2% |
| Q2 2025 | 72 | $83.7M | 7.97% | 0.02% | 1.26% | 34.8% |
| Q1 2025 | 73 | $79.8M | 8.04% | 0.00% | 1.25% | 37.3% |
| Q4 2024 | 73 | $80.3M | 7.86% | 0.00% | 1.37% | 37.5% |
| Q3 2024 | 74 | $79.4M | 7.91% | 0.00% | 1.39% | 38.8% |
| Q2 2024 | 73 | $77.9M | 7.80% | 0.00% | 1.37% | 41.3% |
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 |
|---|---|---|---|---|---|
| Atascosa BankBank Pleasanton, TX | 61 out of 100, Moderate | $81.7M | 15.2% | 2.89% | vs |
| Angelina Savings Bank, SSBBank Lufkin, TX | 80 out of 100, Strong | $86.9M | 11.4% | 0.16% | vs |
| Citizens State BankBank Anton, TX | 84 out of 100, Strong | $80.7M | 16.0% | 0.01% | vs |
| The City National Bank of San SabaBank San Saba, TX | 81 out of 100, Strong | $80.0M | 12.0% | 0.00% | vs |
| The First National Bank in FalfurriasBank Falfurrias, TX | 79 out of 100, Strong | $79.4M | 9.8% | 0.08% | vs |
| Zavala County BankBank Crystal City, TX | 93 out of 100, Very strong | $79.0M | 15.7% | 0.03% | vs |
Deposit insurance
Is my money safe at The First Bank of Celeste?
Yes. The First Bank of Celeste is an FDIC-insured institution (FDIC certificate #3133). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.5% of deposits ($12.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.39%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.26% (benchmark: 10%).
1 location
Branches
The First Bank of Celeste lists 1 office in 1 city. Most locations:
- Celeste, TX (1)
Identity & history
Profile
- Legal name
- The First Bank of Celeste
- Former names
- The First National Bank of Celeste
- Type
- State-chartered bank
- FDIC certificate #
- 3133
- RSSD ID
- 871956
- Primary regulator
- FDIC
- Holding company
- Metroplex North Bancshares Inc
- Established
- January 1, 1900
- Headquarters
- 301 N Us Highway 69, Celeste, TX 75423
- Website
- www.fbceleste.com
- Employees
- 13
Quick answers
The First Bank of Celeste: common questions
Is The First Bank of Celeste FDIC insured?
Yes. The First Bank of Celeste is an FDIC-insured institution (FDIC certificate #3133). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First Bank of Celeste'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 The First Bank of Celeste ever failed?
There is no failure record for FDIC certificate #3133 in the FDIC failed bank list.
How many branches does The First Bank of Celeste have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Celeste
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fannin Federal Credit UnionCredit union Bonham, TX | 94 out of 100, Very strong | $80.9M | 20.2% | 0.61% | vs |
| Service 1st Credit UnionCredit union Greenville, TX | 91 out of 100, Very strong | $71.3M | 16.8% | 0.78% | vs |
| Legend Bank, N.A.Bank Bowie, TX | 82 out of 100, Strong | $1.3B | 10.4% | 0.12% | vs |
| 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 |
| Inwood National BankBank Dallas, TX | 74 out of 100, Strong | $4.3B | 10.8% | 0.37% | vs |