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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Athens, TX · FDIC certificate #15206
FIRST STATE BANK is an FDIC-insured institution based in Athens, TX (FDIC certificate #15206). In its Q3 2026 Call Report it reported total assets of $743M, total deposits of $648M and net loans of $470M. Its primary federal regulator is FDIC.
Plain-language readout
FIRST STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $779M in Q1 2026 and were lowest at $743M in Q3 2026.
Total deposits were highest at $688M in Q1 2026 and lowest at $648M in Q3 2026.
Over the whole period total assets fell 4.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $743M | $648M | $470M | 1.77% | 16.08% | 4.62% |
| Q2 2026 | $762M | $669M | $473M | 1.65% | 15.25% | 4.51% |
| Q1 2026 | $779M | $688M | $472M | 1.57% | 14.69% | 4.38% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $39.8M | $71.7M | -$31.9M | -44.5% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $219.3M | $205.5M | +$13.8M | +6.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $473.1M | $472.3M | +$792K | +0.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $13.2M | $13.5M | -$218K | -1.6% |
| Other real estate owned | $49K | $49K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $120K | $119K | +$1K | +0.8% |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $16.2M | $15.5M | +$635K | +4.1% |
| Total assets | $761.7M | $778.6M | -$16.9M | -2.2% |
| Liabilities | ||||
| Total deposits | $669.5M | $687.7M | -$18.2M | -2.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $7.9M | $7.5M | +$379K | +5.1% |
| Total liabilities | $677.3M | $695.2M | -$17.8M | -2.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $4.0M | $4.0M | $0K | 0.0% |
| Surplus | $16.0M | $16.0M | $0K | 0.0% |
| Retained earnings | $68.6M | $67.0M | +$1.6M | +2.4% |
| Accumulated other comprehensive income | -$4.2M | -$3.6M | -$624K | -17.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $84.4M | $83.4M | +$983K | +1.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $3.9M | $4.5M | -$679K | -14.9% |
| Adjusted nonperforming assets | $3.9M | $4.5M | -$679K | -14.9% |
| Tangible equity plus allowance | $90.7M | $89.7M | +$993K | +1.1% |
| Texas ratio (gross) | 4.27% | 5.07% | -0.80 pts | See points |
| Texas ratio (adjusted) | 4.27% | 5.07% | -0.80 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.29% | 5.07% | -0.79 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.44% | 11.20% | +0.24 pts | See points |
| Construction and land loans to total capital | 69.07% | 77.49% | -8.42 pts | See points |
| Commercial real estate to total capital | 108.55% | 117.34% | -8.79 pts | See points |
| Dividend payout, year to date | 26.88% | 0.00% | +26.88 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -6.04% | -5.24% | -0.80 pts | See points |
| Liquidity | ||||
| Core deposits | $576.6M | $597.1M | -$20.5M | -3.4% |
| Non-core funding | $92.9M | $90.6M | +$2.3M | +2.5% |
| Loans to core deposits | 83.14% | 80.15% | +2.99 pts | See points |
| Loans to deposits | 71.60% | 69.59% | +2.01 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 73.86% | 88.72% | -14.86 pts | See points |
| Loans pledged, share of loans | 95.61% | 98.29% | -2.67 pts | See points |
| Volatile liabilities | $92.9M | $90.6M | +$2.3M | +2.5% |
| Earnings | ||||
| Earnings before provision, year to date | $8.0M | $3.9M | +$4.2M | +108.9% |
| Earnings before provision, single quarter | $4.2M | $3.9M | +$341K | +8.9% |
| Provision for credit losses, year to date | $59K | $59K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.02% | 6.83% | +0.19 pts | See points |
| Yield on interest-bearing balances due from banks | 3.89% | 3.40% | +0.49 pts | See points |
| Total interest income to average assets | 5.40% | 5.20% | +0.20 pts | See points |
| Cost of interest-bearing transaction accounts | 1.90% | 2.02% | -0.12 pts | See points |
| Cost of savings and money market deposits | 0.70% | 0.66% | +0.04 pts | See points |
| Cost of time deposits | 2.99% | 2.97% | +0.02 pts | See points |
| Total interest expense to average assets | 1.04% | 1.07% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $743M | $648M | $470M | 1.77% | 16.08% | 4.62% |
| 2026-06-30 | $762M | $669M | $473M | 1.65% | 15.25% | 4.51% |
| 2026-03-31 | $779M | $688M | $472M | 1.57% | 14.69% | 4.38% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TX | $634.8M | 0.04% | 158 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.