Total Assets
$369M
Total balance-sheet footings
FDIC Cert #11922 · Orange, Texas · Est. 1914
First State Bank of Texas - FDIC Bank Health Profile
A community-scale look at First State Bank of Texas's own numbers, pulled straight from its quarterly FDIC Call Report.
- $369M
- Total assets
- C
- Health grade · Fair
- 0.52%
- Return on assets
- 9.1%
- Tier 1 capital
Data updated July 2026
The verdict
First State Bank of Texas earns a PlainBankData health grade of C (52/100), with 9.11% Tier 1 capital, 0.52% ROA, 73% efficiency ratio.
- #2,200
- largest of 4,313 FDIC banks by assets
- 49th
- percentile by asset size, nationally
- 9.11%
- Tier 1 ratio - below the 10% well-capitalized line
- 17th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How First State Bank of Texas's 52/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First State Bank of Texas's composite health score
Tier 1 Capital Ratio (9.11%) 18/40
Return on Assets (ROA) (0.52%) 14/25
Texas Ratio (5.44%) 16/20
Efficiency Ratio (73.39%) 4/15
52 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$331M
Customer-funded liabilities
Net Loans
$258M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First State Bank of Texas ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First State Bank of Texas's score of 52/100 falls in the highlighted band.
First State Bank of Texas'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 of Texas's $369M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.11% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.11%
Texas Ratio
5.44%
Equity Capital
$36M
Profitability metrics
Return on Assets (ROA)
17th percentile nationally
0.52%
Return on Equity (ROE)
5.36%
Efficiency Ratio
73.39%
What the numbers say about First State Bank of Texas
First State Bank of Texas is an FDIC-insured institution (Certificate #11922) headquartered in Orange, Texas, established in 1914. It holds $369M in total assets - 2,200th of 4,313 FDIC-insured banks, $331M in customer deposits, and $258M in net loans. Looking at capital strength, Tier 1 stands at 9.11%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 5.44%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (52/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Texas, First State Bank of Texas ranks 194th of 350 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$23M
Interest Income
$1M
Non-Interest Income
$12M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First State Bank of Texas reports a Texas Ratio of 5.44% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.44% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First State Bank of Texas (FDIC Cert #11922) - 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.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is First State Bank of Texas's health grade?▼
First State Bank of Texas receives a health grade of C (52/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is First State Bank of Texas?▼
First State Bank of Texas holds $369M in total assets and $331M in deposits, ranking 2,200th of 4,313 FDIC-insured banks by asset size. It is headquartered in Orange, Texas.
Is my money safe at First State Bank of Texas?▼
Yes, deposits at First State Bank of Texas (Certificate #11922) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First State Bank of Texas's Tier 1 Capital Ratio?▼
First State Bank of Texas has a Tier 1 Capital Ratio of 9.11%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for First State Bank of Texas?▼
First State Bank of Texas has a Texas Ratio of 5.44%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First State Bank of Texas?▼
First State Bank of Texas has an Efficiency Ratio of 73.39%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First State Bank of Texas's profile as a depositor or analyst.
- First State Bank of Texas's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First State Bank of Texas against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.