| Weiss Ratings |
First State Bank and Trust Company
Carthage, TX |
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| Rating | ||||
| Asset Quality Index | 7.30 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.30 | |||
| Profitability Index | 3.90 | |||
| Stability Index | 6.00 | |||
| Company Info |
First State Bank and Trust Company
Carthage, TX |
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| FDIC Number | 11559 | |||
| Phone Number | (903) 693-6606 | |||
| Website | www.fsbcarthage.com | |||
| Asset Quality |
First State Bank and Trust Company
Carthage, TX |
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| 1-Year Asset Growth | 3.02% | |||
| 5-Year Asset Growth | 0.91% | |||
| 5-Year Charge-Offs to Average Loans | 0.14% | |||
| Charge-Offs to Average Loans | 0.19% | |||
| Non-Performing Assets to Assets | 0.61% | |||
| Non-Performing Loans to Capital | 4.37% | |||
| Non-Performing Loans to Loans | 1.84% | |||
| Balance Sheet |
First State Bank and Trust Company
Carthage, TX |
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| Total Assets | 547.41M | |||
| Total Deposits | 490.56M | |||
| Capital and Reserves |
First State Bank and Trust Company
Carthage, TX |
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| Capital | 52.55M | |||
| Leverage Ratio | 14.00 | |||
| Loan Loss Reserves to Loans | 0.82% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First State Bank and Trust Company
Carthage, TX |
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| Hot Money Ratio | 45.84% | |||
| Liquidity Ratio | 22.05% | |||
| Profitability |
First State Bank and Trust Company
Carthage, TX |
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| 5-Year Return on Average Assets | 0.74% | |||
| Net Income | 2.65M | |||
| Net Interest Spread | 2.65% | |||
| Operating Profit to Average Assets | 1.14% | |||
| Overhead Efficiency Ratio | 61.58% | |||
| Return on Assets | 0.94% | |||
| Return on Equity | 10.06% | |||