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Highway 59 And Fm Road 1160
Louise, TX 77455

The First State Bank is headquartered in Louise and is the 168th largest bank in the state of Texas. It is also the 2,004th largest bank in the nation. It was established in 1956 and as of March of 2014, it had grown to 113 employees at 10 locations. The First State Bank has a B+ health rating.

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Data for Q1 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 March 31, 2014 The First State Bank had $137,000 in non-current loans and owned real-estate with $28.74 million in equity and loan loss allowances on hand to cover it. This gives The First State Bank a Texas Ratio of 0.48% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for The First State Bank decreased dramatically from 0.76% as of March 31, 2013 to 0.48% as of March 31, 2014, resulting in a positive change of 37.46%.This indicates that the balance sheet and financial strength for The First State Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, The First State Bank has increased its total deposits by $6.59 million, resulting in 2.26% 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 The First State Bank has shown is above 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. The First State Bank has $326.92 million in assets with $28.74 million in equity, resulting in a capitalization level of 8.79%, which is average.

Institution Statistics

FDIC Certificate #17588
Year Established1956
Primary RegulatorFDIC
Assets and Liabilities
Assets$326.92 million
Loans$203.89 million
Deposits$298.13 million
Equity Capital$26.34 million
Loan Loss Allowance$2.41 million
Unbacked Noncurrent Loans$137,000
Real Estate Owned$0
Historic Data - March 2013
Assets$320.08 million
Equity Capital$27.70 million
Loan Loss Allowance$2.09 million
Unbacked Noncurrent Loans$137,000
Real Estate Owned$223,000
Profit Margin - Quarterly
Net Interest Margin4.5%
Return on Assets1.42%
Return on Equity18.37%
Interest Income$3.59 million

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The First State Bank Savings Account Rates

0.05%$50-Business Savings

The First State Bank Money Market Rates

0.20%$100k-Tiered Money Market
0.20%$100k-Business Tiered Money Market

The First State Bank Checking Account Rates

0.50%-$25kDiamond Checking - Qualifying
0.05%--Diamond Checking - Non Qualifying
0.05%$1,500-Now Account

The First State Bank CD Rates

0.60%$1k-60 Month CD
0.50%$1k-48 Month CD
0.40%$1k-36 Month CD
0.30%$1k-18 Month CD
0.30%$1k-24 Month CD
0.25%$1k-12 Month CD
0.15%$1k-6 Month CD

The First State Bank IRA Rates

0.60%$500-60 Month IRA
0.50%$500-48 Month IRA
0.40%$500-36 Month IRA
0.30%$500-18 Month IRA
0.30%$500-24 Month IRA
0.25%$500-12 Month IRA

The First State Bank Locations
El Campo Branch1808 West LoopEl Campo, TX 77437
Sweeny Branch208 Second StreetSweeny, TX 77480
Ganado Branch209 West York St.Ganado, TX 77962
Angleton Branch2904 North VelascoAngleton, TX 77515
Bay City Branch3600 Seventh StreetBay City, TX 77414
Wharton Branch505 East Boling HwyWharton, TX 77488
Blessing BranchAvenue B and 10th StreetBlessing, TX 77419 BranchHighway 59 & Fm 1160Louise, TX 77455
The First State BankHighway 59 and Fm Road 1160Louise, TX 77455