TellerScore

The First State Bank is a state-chartered bank headquartered in Louise, Texas, in business for about 70 years. At the end of Q2 2026 it reported $895.2M in total assets and $806.8M in deposits, with 15 offices.

The First State Bank has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 20% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 292nd. Earnings contributes the most (100/100, 2.44%); loan quality contributes the least (28/100, 2.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.58%
Loan quality28/100
Noncurrent loans ÷ total loans: 2.16%
Earnings100/100
Return on assets (annualized): 2.44%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 79.8% · 28.1% uninsured
Problem-loan coverage68/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 15.99%

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 11 points (72 → 61), mostly because the loan quality component weakened by 39 points.

TellerScore
617282Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202482
Q4 202481
Q1 202582
Q2 202572
Q3 202572
Q4 202571
Q1 202663
Q2 202661
Tier 1 leverage ratio
5.00%7.92%10.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.56%
Q3 202410.38%
Q4 202410.27%
Q1 202510.46%
Q2 202510.73%
Q3 202510.85%
Q4 202510.57%
Q1 202610.63%
Q2 202610.58%
Noncurrent loans
0.03%1.09%2.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.07%
Q3 20240.03%
Q4 20240.04%
Q1 20250.03%
Q2 20250.99%
Q3 20251.04%
Q4 20251.06%
Q1 20261.94%
Q2 20262.16%
Return on assets
2.28%2.49%2.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.36%
Q3 20242.43%
Q4 20242.46%
Q1 20252.51%
Q2 20252.64%
Q3 20252.70%
Q4 20252.69%
Q1 20262.28%
Q2 20262.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$895.2M10.58%2.16%2.44%79.8%
Q1 202663$884.2M10.63%1.94%2.28%79.4%
Q4 202571$878.8M10.57%1.06%2.69%78.8%
Q3 202572$845.8M10.85%1.04%2.70%80.4%
Q2 202572$812.6M10.73%0.99%2.64%80.5%
Q1 202582$835.5M10.46%0.03%2.51%75.0%
Q4 202481$818.2M10.27%0.04%2.46%73.3%
Q3 202482$824.6M10.38%0.03%2.43%73.6%
Q2 202481$796.7M10.56%0.07%2.36%77.3%

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 ratio10.58%
43rd
Total risk-based capital0.00%
24th
Problem loans2.16%
11th
Net charge-offs0.12%
18th
Return on assets2.44%
95th
Net interest margin5.21%
95th
Efficiency ratio52.9%
77th
Loans to deposits79.8%
50th
Uninsured deposits28.1%
34th
Loan-loss reserves1.28%
60th
Texas ratio16.0%
9th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Titan Bank, N.A.Bank Mineral Wells, TX76 out of 100, Strong$896.1M9.2%0.54%vs
First Liberty BankBank Liberty, TX72 out of 100, Strong$873.2M10.1%0.42%vs
NewFirst National BankBank El Campo, TX84 out of 100, Strong$934.9M12.5%0.21%vs
Harmony BankBank Dallas, TX75 out of 100, Strong$855.3M11.9%0.02%vs
Texas Heritage National BankBank Daingerfield, TX59 out of 100, Moderate$936.4M10.2%1.27%vs
Texas National Bank of JacksonvilleBank Jacksonville, TX50 out of 100, Below average$852.4M10.1%1.03%vs

Deposit insurance

Is my money safe at The First State Bank?

Yes. The First State Bank is an FDIC-insured institution (FDIC certificate #17588). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.1% of deposits ($227.0M) 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 10.58%, 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

15 locations

Branches

The First State Bank lists 14 offices in 14 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The First State Bank
Type
State-chartered bank
FDIC certificate #
17588
RSSD ID
888552
Primary regulator
FDIC
Holding company
Louise Bancshares Inc
Established
May 7, 1956
Headquarters
206 North St., Louise, TX 77455
Employees
163

Quick answers

The First State Bank: common questions

Is The First State Bank FDIC insured?

Yes. The First State Bank is an FDIC-insured institution (FDIC certificate #17588). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First State Bank's TellerScore?

61 out of 100 (Moderate), 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 State Bank ever failed?

There is no failure record for FDIC certificate #17588 in the FDIC failed bank list.

How many branches does The First State Bank have?

15 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Louise

InstitutionScoreAssetsCapitalProblem loansCompare
Matagorda County Credit UnionCredit union Bay City, TX94 out of 100, Very strong$36.2M17.4%0.31%vs
Wharton County Teachers Credit UnionCredit union Wharton, TX90 out of 100, Very strong$7.4M28.4%0.18%vs
NewFirst National BankBank El Campo, TX84 out of 100, Strong$934.9M12.5%0.21%vs
Texasgulf Federal Credit UnionCredit union Wharton, TX81 out of 100, Strong$220.5M14.3%0.61%vs
J.C.T. Federal Credit UnionCredit union Edna, TX80 out of 100, Strong$10.0M12.7%0.00%vs
First Financial BankBank Abilene, TX76 out of 100, Strong$15.2B11.6%0.77%vs