Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
917 Military Parkway
Mesquite, TX 75149

First State Bank (18621) is headquartered in Mesquite and is the 274th largest bank in the state of Texas. It is also the 3,341st largest bank in the nation. It was established in 1962 and as of June of 2014, it had grown to 37 employees at 1 location. First State Bank (18621) has a B health rating.

No reviews have been left for this bank yet. Be the first to review.


Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 First State Bank (18621) had $4.68 million in non-current loans and owned real-estate with $18.43 million in equity and loan loss allowances on hand to cover it. This gives First State Bank (18621) a Texas Ratio of 25.40% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First State Bank (18621) decreased slightly from 32.95% as of June 30, 2013 to 25.40% as of June 30, 2014, resulting in a positive change of 22.92%.This indicates that the balance sheet and financial strength for First State Bank (18621) has improved slightly in recent periods.

Deposit Growth


In the past year, First State Bank (18621) has decreased its total deposits by -$3.39 million, resulting in -2.13% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First State Bank (18621) has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First State Bank (18621) has $173.22 million in assets with $18.43 million in equity, resulting in a capitalization level of 10.64%, which is above average.

Institution Statistics

FDIC Certificate #18621
Year Established1962
Primary RegulatorFDIC
Assets and Liabilities
Assets$173.22 million
Loans$45.52 million
Deposits$155.43 million
Equity Capital$15.12 million
Loan Loss Allowance$3.31 million
Unbacked Noncurrent Loans$3.44 million
Real Estate Owned$1.25 million
Historic Data - June 2013
Assets$179.28 million
Equity Capital$16.36 million
Loan Loss Allowance$4.38 million
Unbacked Noncurrent Loans$3.44 million
Real Estate Owned$1.63 million
Profit Margin - Quarterly
Return on Assets-0.75%
Return on Equity-8.65%
Interest Income$2.04 million

Sorry, we do not have rate data for First State Bank (18621)


First State Bank (18621) Locations
First State Bank917 Military ParkwayMesquite, TX 75149