First State Bank (Gainsville)

Overview / Commentary
801 East California Street
Gainesville, TX 76240

First State Bank (Gainsville) is headquartered in Gainesville and is the 60th largest bank in the state of Texas. It is also the 646th largest bank in the nation. It was established in 1905 and as of June of 2022, it had grown to 289 employees at 12 locations. First State Bank (Gainsville) has a B+ health rating.


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Health Grade Components

FDIC Certificate #15511
Year Established1905
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.79%
Return on Equity - YTD12.1%
Annual Interest Income$25.6MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$1.67B$1.47B
LoansQ2 2022vs Q2 2021$770.4MM$732.4MM
DepositsQ2 2022vs Q2 2021$1.57B$1.32B
Equity CapitalQ2 2022vs Q2 2021$86.0MM$133.4MM
Loan Loss AllowanceQ2 2022vs Q2 2021$11.1MM$10.5MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$5.0MM$5.6MM
Real Estate OwnedQ2 2022vs Q2 2021$0$136.00K

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