First State Bank (Gainsville)

Overview / Commentary
801 East California Street
Gainesville, TX 76240

First State Bank (Gainsville) is headquartered in Gainesville and is the 62nd largest bank in the state of Texas. It is also the 728th largest bank in the nation. It was established in 1905 and as of June of 2020, it had grown to 280 employees at 12 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 - YTD1.49%
Return on Equity - YTD15.32%
Annual Interest Income$22.5MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$1.29B$1.13B
LoansQ2 2020vs Q2 2019$732.3MM$636.1MM
DepositsQ2 2020vs Q2 2019$1.15B$1.02B
Equity CapitalQ2 2020vs Q2 2019$127.3MM$106.4MM
Loan Loss AllowanceQ2 2020vs Q2 2019$8.2MM$6.9MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$5.3MM$1.4MM
Real Estate OwnedQ2 2020vs Q2 2019$171.00K$0
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