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 722nd largest bank in the nation. It was established in 1905 and as of December of 2020, it had grown to 285 employees at 13 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 - YTD1.19%
Return on Equity - YTD12.12%
Annual Interest Income$44.2MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$1.35B$1.15B
LoansQ4 2020vs Q4 2019$705.5MM$629.8MM
DepositsQ4 2020vs Q4 2019$1.20B$1.03B
Equity CapitalQ4 2020vs Q4 2019$132.8MM$110.6MM
Loan Loss AllowanceQ4 2020vs Q4 2019$9.6MM$7.0MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$4.8MM$5.5MM
Real Estate OwnedQ4 2020vs Q4 2019$0$369.00K
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