2. The First State Bank

The First State Bank


Overview / Commentary
www.fsblouise.com
979-648-2691
206 North St.
Louise, TX 77455

The First State Bank is headquartered in Louise and is the 128th largest bank in the state of Texas. It is also the 1,481st largest bank in the nation. It was established in 1956 and as of June of 2019, it had grown to 130 employees at 12 locations. The First State Bank's CD rates are 12% higher than the national average, and it boasts an A+ health rating.

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Health
A+

Data as of Q2 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #17588
Year Established1956
Employees130
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD2.17%
Return on Equity - YTD23.75%
Annual Interest Income$12.3MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$481.8MM$409.1MM
LoansQ2 2019vs Q2 2018$344.8MM$294.9MM
DepositsQ2 2019vs Q2 2018$429.5MM$371.6MM
Equity CapitalQ2 2019vs Q2 2018$46.5MM$35.4MM
Loan Loss AllowanceQ2 2019vs Q2 2018$4.1MM$3.9MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$284.00K$166.00K
Real Estate OwnedQ2 2019vs Q2 2018$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The First State Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$200-Savings
0.10%$200-Business Savings
0.10%$50-UTMA Savings

The First State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$100k*-Tiered Money Market
OTHER TIERS: 0.20% → $2.5k - $50k | 0.30% → $50k - $100k
0.40%*$100k*-Business Tiered Money Market
OTHER TIERS: 0.20% → $2.5k - $50k | 0.30% → $50k - $100k

The First State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*-$25kDiamond Checking
OTHER TIERS: 0.10% → $25k+
0.25%$1.5k-Platinum Business Checking
0.05%$1.5k-Now Account
0.05%$1.5k-Business Now Account

The First State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$1k-60 Month CD
1.26%$1k-36 Month CD
1.26%$1k-48 Month CD
1.21%$1k-24 Month CD
1.11%$1k-18 Month CD
1.01%$1k-12 Month CD
0.60%$1k-6 Month CD
0.30%$1k-3 Month CD
0.20%$1k-1 Month CD

The First State Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$500-60 Month IRA
1.26%$500-36 Month IRA
1.26%$500-48 Month IRA
1.21%$500-24 Month IRA
1.11%$500-18 Month IRA
1.01%$500-12 Month IRA
Locations

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