Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

FIRST STATE BANK

FDIC #15511 · TX · period 20260630

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Total assets1,004,582-3.47% YoY

Total deposits899,668-3.47% YoY

Net loans and leases467,348-8.74% YoY

Return on assets1.19%-5.74% YoY

Return on equity12.29%-11.84% YoY

Net interest margin3.46%-6.16% YoY

Peer position

Return on assets19thopportunity · n=902

Return on equity30thopportunity · n=894

Net interest margin72ndstrength · n=902

Equity to assets11thopportunity · n=894

Noncurrent loans28thopportunity · n=887

Liquid assets91ststrength · n=895

Brokered deposits100thstrength · n=890

Loans to deposits94thstrength · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,004,582	899,668	467,348	1.19	12.29	3.46
2016-09-30	1,007,483	897,127	538,463	1.28	12.95	3.51
2016-12-31	1,013,567	913,075	524,481	1.26	13.03	3.54
2017-03-31	1,041,237	937,570	509,542	1.47	16.54	3.82
2017-06-30	1,040,739	932,006	512,118	1.26	13.94	3.68
2017-09-30	1,082,186	975,005	521,161	1.27	14.16	3.67
2017-12-31	1,094,588	984,534	536,282	1.27	14.24	3.68
2018-03-31	1,105,608	989,150	572,406	1.12	13.51	3.71
2018-06-30	1,094,361	937,460	582,008	1.29	15.75	3.77
2018-09-30	1,093,206	983,956	606,107	1.32	16.18	3.83
2018-12-31	1,085,931	958,998	606,765	1.29	15.62	3.88
2019-03-31	1,127,619	1,013,414	602,869	1.06	12.12	3.91
2019-06-30	1,132,713	1,015,358	636,136	1.11	12.40	3.93
2019-09-30	1,136,858	1,015,505	646,268	1.15	12.61	3.94
2019-12-31	1,147,965	1,026,833	629,796	1.13	12.28	3.95
2020-03-31	1,173,891	1,015,264	638,197	0.91	9.50	3.93
2020-06-30	1,285,444	1,146,081	732,270	1.49	15.32	3.82
2020-09-30	1,310,944	1,167,896	720,665	1.30	13.34	3.71
2020-12-31	1,345,450	1,200,179	705,502	1.19	12.12	3.64
2021-03-31	1,439,514	1,298,127	754,795	1.30	13.83	3.94
2021-06-30	1,466,124	1,319,471	732,384	1.07	11.50	3.73
2021-09-30	1,520,246	1,372,527	715,611	1.01	11.01	3.61
2021-12-31	1,609,236	1,462,680	704,570	1.02	11.37	3.51
2022-03-31	1,645,276	1,526,896	732,424	0.62	8.55	3.14
2022-06-30	1,674,070	1,573,277	770,413	0.79	12.10	3.26
2022-09-30	1,645,586	1,546,455	797,498	0.85	14.40	3.36
2022-12-31	1,670,131	1,520,990	797,309	0.86	15.17	3.38
2023-03-31	1,657,003	1,555,158	793,780	0.46	8.97	3.09
2023-06-30	1,634,731	1,488,548	824,333	0.45	8.79	3.08
2023-09-30	1,720,155	1,540,102	826,193	0.35	7.28	3.00
2023-12-31	1,754,236	1,548,174	858,835	0.36	7.23	2.96
2024-03-31	1,784,936	1,582,168	872,175	0.29	5.54	2.82
2024-06-30	1,749,574	1,529,927	870,547	0.35	6.39	2.89
2024-09-30	1,745,658	1,551,108	872,692	0.42	7.19	2.96
2024-12-31	1,763,658	1,652,557	911,932	0.16	2.75	3.00
2025-03-31	1,767,818	1,647,880	917,508	0.50	8.07	3.24
2025-06-30	1,812,065	1,641,601	935,525	1.98	30.07	3.33
2025-09-30	1,838,704	1,652,976	973,068	1.29	18.53	3.50
2025-12-31	1,822,291	1,630,844	984,087	1.18	16.25	3.67
2026-03-31	1,814,144	1,626,964	953,202	0.73	8.70	4.03
2026-06-30	1,851,537	1,660,611	942,689	0.80	9.52	4.06

Structure and branch footprint

14 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2015-01-31	1	3280335	435750
2008-04-25	9	870968	435750
1996-07-01	1	251259	435750

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.