First State Bank (Gainsville)

Overview / Commentary
801 East California Street
Gainesville, TX 76240

First State Bank (Gainsville) is headquartered in Gainesville and is the 57th largest bank in the state of Texas. It is also the 717th largest bank in the nation. It was established in 1905 and as of December of 2019, it had grown to 266 employees at 11 locations. First State Bank (Gainsville) has an A health rating.


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Health Grade Components

FDIC Certificate #15511
Year Established1905
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.13%
Return on Equity - YTD12.28%
Annual Interest Income$46.3MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$1.15B$1.09B
LoansQ4 2019vs Q4 2018$629.8MM$606.8MM
DepositsQ4 2019vs Q4 2018$1.03B$959.0MM
Equity CapitalQ4 2019vs Q4 2018$110.6MM$92.6MM
Loan Loss AllowanceQ4 2019vs Q4 2018$7.0MM$6.8MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$5.5MM$3.6MM
Real Estate OwnedQ4 2019vs Q4 2018$369.00K$0

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