2. The First State Bank

The First State Bank


Overview / Commentary
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 1,474th largest bank in the nation. It was established in 1956 and as of December of 2018, it had grown to 125 employees at 12 locations. The First State Bank's CD rates are 29% higher than the national average, and it has an A health rating.

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Health
A

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #17588
Year Established1956
Employees125
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD2.31%
Return on Equity - YTD26.45%
Annual Interest Income$20.8MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$483.2MM$406.9MM
LoansQ4 2018vs Q4 2017$315.5MM$272.0MM
DepositsQ4 2018vs Q4 2017$437.2MM$369.4MM
Equity CapitalQ4 2018vs Q4 2017$42.4MM$34.9MM
Loan Loss AllowanceQ4 2018vs Q4 2017$3.8MM$3.8MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$94.00K$258.00K
Real Estate OwnedQ4 2018vs Q4 2017$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
1.66%$1k-60 Month CD
1.41%$1k-36 Month CD
1.41%$1k-48 Month CD
1.36%$1k-24 Month CD
1.26%$1k-18 Month CD
1.16%$1k-12 Month CD
0.75%$1k-6 Month CD
0.45%$1k-3 Month CD
0.35%$1k-1 Month CD

The First State Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.66%$500-60 Month IRA
1.41%$500-36 Month IRA
1.41%$500-48 Month IRA
1.36%$500-24 Month IRA
1.26%$500-18 Month IRA
1.16%$500-12 Month IRA
Locations

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