First State Bank (Gainsville)

Overview / Commentary
801 East California Street
Gainesville, TX 76240

First State Bank (Gainsville) is headquartered in Gainesville and is the 63rd largest bank in the state of Texas. It is also the 707th largest bank in the nation. It was established in 1905 and as of June of 2021, it had grown to 292 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 - YTD1.07%
Return on Equity - YTD11.5%
Annual Interest Income$25.2MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$1.47B$1.29B
LoansQ2 2021vs Q2 2020$732.4MM$732.3MM
DepositsQ2 2021vs Q2 2020$1.32B$1.15B
Equity CapitalQ2 2021vs Q2 2020$133.4MM$127.3MM
Loan Loss AllowanceQ2 2021vs Q2 2020$10.5MM$8.2MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$5.6MM$5.3MM
Real Estate OwnedQ2 2021vs Q2 2020$136.00K$171.00K
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