| Weiss Ratings |
First State Bank
Spearman, TX |
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| Rating | ||||
| Asset Quality Index | 6.30 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 0.20 | |||
| Profitability Index | 6.90 | |||
| Stability Index | 3.70 | |||
| Company Info |
First State Bank
Spearman, TX |
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| FDIC Number | 1218 | |||
| Phone Number | (806) 659-5565 | |||
| Website | www.fsbtx.com/ | |||
| Asset Quality |
First State Bank
Spearman, TX |
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| 1-Year Asset Growth | 4.46% | |||
| 5-Year Asset Growth | 4.21% | |||
| 5-Year Charge-Offs to Average Loans | 0.06% | |||
| Charge-Offs to Average Loans | 0.27% | |||
| Non-Performing Assets to Assets | 0.97% | |||
| Non-Performing Loans to Capital | 2.48% | |||
| Non-Performing Loans to Loans | 1.19% | |||
| Balance Sheet |
First State Bank
Spearman, TX |
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| Total Assets | 185.28M | |||
| Total Deposits | 162.03M | |||
| Capital and Reserves |
First State Bank
Spearman, TX |
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| Capital | 22.06M | |||
| Leverage Ratio | 12.36 | |||
| Loan Loss Reserves to Loans | 1.12% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First State Bank
Spearman, TX |
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| Hot Money Ratio | 28.82% | |||
| Liquidity Ratio | 14.47% | |||
| Profitability |
First State Bank
Spearman, TX |
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| 5-Year Return on Average Assets | 0.91% | |||
| Net Income | 2.29M | |||
| Net Interest Spread | 4.27% | |||
| Operating Profit to Average Assets | 1.69% | |||
| Overhead Efficiency Ratio | 58.26% | |||
| Return on Assets | 1.69% | |||
| Return on Equity | 14.44% | |||