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 670th largest bank in the nation. It was established in 1905 and as of December of 2021, it had grown to 287 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 - YTD1.02%
Return on Equity - YTD11.37%
Annual Interest Income$49.5MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$1.61B$1.35B
LoansQ4 2021vs Q4 2020$704.6MM$705.5MM
DepositsQ4 2021vs Q4 2020$1.46B$1.20B
Equity CapitalQ4 2021vs Q4 2020$133.0MM$132.8MM
Loan Loss AllowanceQ4 2021vs Q4 2020$11.1MM$9.6MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$4.8MM$4.8MM
Real Estate OwnedQ4 2021vs Q4 2020$136.00K$0
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