FDIC Cert #17509 · Key West, Florida · Est. 1955

First State Bank - FDIC Bank Health Profile

A community-scale look at First State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.1B
Total assets
B
Health grade · Good
0.60%
Return on assets
15.3%
Tier 1 capital

Data updated July 2026

The verdict

First State Bank earns a PlainBankData health grade of B (78/100), with well-capitalized at 15.30% Tier 1, 0.60% ROA, 78% efficiency ratio.

#922
largest of 4,313 FDIC banks by assets
79th
percentile by asset size, nationally
15.30%
Tier 1 ratio - above the 10% well-capitalized line
20th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 17509 · FL B · 78/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (78/100)
  • MID-PACK #2168/4307
  • PHOTO-FINISH First State Bank of… · TX
  • TIER1-WELL 15.3% Tier 1
  • TEXAS-CLEAN 1.5% Texas
  • ROA-THIN 0.60% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Florida: First State Bank of San Diego, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First State Bank

Lowest and highest poles plus nearest scored peers outside Florida, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/10022nd State Banking C… · AL ·…78/100First State Bank · FL · this…78/100First State Bank of… · TX · …78/100Guaranty Bank and Tr… · LA ·…78/100The Farmers State Ba… · KS ·…78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First State Bank · July 2026

Call Report read for First State Bank in a high-failure state

First State Bank (FDIC Cert #17509) carries a PlainBankData health grade of B at 78/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,168 of 4,307. Tier 1 capital prints at 15.30%, clearing the 10% well-capitalized line. The Texas Ratio is 1.49%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.60%. Balance-sheet scale is $1.1B, 922nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First State Bank of San Diego (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First State Bank

76 FAILURE resolutions in Florida since 2000, heavy vs the state corpus

First State Bank sits in one of the heavier post-2000 FAILURE states (76 resolutions; latest year 2020). The list below is state history from the Failed Bank List, not a claim about First State Bank's current Call Report.

  • FIRST CITY BANK OF FLORIDA FORT WALTON BEACH, FL 2020 → UNITED FIDELITY BANK, FSB
  • FIRST NATIONAL BANK OF CRESTVIEW CRESTVIEW, FL 2015 → FIRST NBC BANK
  • VALLEY BANK FORT LAUDERDALE, FL 2014 → LANDMARK BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Florida banks.

How First State Bank's 78/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10078/100
First State Bank's composite health score
Tier 1 Capital Ratio (15.30%) 40/40
Return on Assets (ROA) (0.60%) 14/25
Texas Ratio (1.49%) 20/20
Efficiency Ratio (78.39%) 4/15

78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.1B

Total balance-sheet footings

Total Deposits

$1.0B

Customer-funded liabilities

Net Loans

$825M

Outstanding loan book

Net Income

$7M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.9% 15.3% 16.7%
Basel III capital ratios - First State Bank

Where First State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First State Bank's score of 78/100 falls in the highlighted band.

First State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

78 Top 50% higher than 50% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First State Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First State Bank's $1.1B falls in the highlighted band.

Capital & credit buffers at First State Bank

Tier 1 capital ratio
Well-capitalized 10%

15.30% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.30%
Texas Ratio
1.49%
Equity Capital
$105M

What these ratios mean →

Profitability metrics: First State Bank

Return on Assets (ROA)
20th percentile nationally
0.60%
Return on Equity (ROE)
6.63%
Efficiency Ratio
78.39%

What these mean →

Income & expense at First State Bank

$57M
Interest Income
$5M
Non-Interest Income
$33M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First State Bank reports a Texas Ratio of 1.49% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.49% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First State Bank on FDIC BankFind →

Top banks in Florida by total assets

Largest banks headquartered in Florida
  1. 1
    SouthState Bank $67.2B

    Winter Haven, FL · Grade A

  2. 2
    EverBank $46.0B

    Jacksonville, FL · Grade B

  3. 3
    Raymond James Bank $43.4B

    Saint Petersburg, FL · Grade A

  4. 4
    BankUnited $35.0B

    Miami Lakes, FL · Grade B

  5. 5
    City National Bank of Florida $28.0B

    Miami, FL · Grade A

Top 5 banks in Florida ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.1B here), outside Florida so the neighborhood is not state containment.

Northstar Bank $1.1B · MI Pilot Grove Savings Bank $1.1B · IA Somerset Regal Bank $1.1B · NJ PriorityOne Bank $1.1B · MS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First State Bank (FDIC Cert #17509) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First State Bank Call Report profile · FDIC Failed Bank List · Florida FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Florida

All Florida banks →
BankAssetsGradeROA
SouthState Bank, National AssociationWinter Haven $67.2B A 1.40%
EverBank, National AssociationJacksonville $46.0B B 0.72%
Raymond James BankSaint Petersburg $43.4B A 1.47%
BankUnited, National AssociationMiami Lakes $35.0B B 0.89%
City National Bank of FloridaMiami $28.0B A 0.96%
Seacoast National BankStuart $20.8B A 0.91%
Amerant Bank, National AssociationCoral Gables $9.8B C 0.64%
Ocean BankMiami $7.4B B 0.92%