| Weiss Ratings |
First State Bank
Athens, TX |
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| Rating | ||||
| Asset Quality Index | 7.30 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.80 | |||
| Profitability Index | 7.80 | |||
| Stability Index | 6.30 | |||
| Company Info |
First State Bank
Athens, TX |
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| FDIC Number | 15206 | |||
| Phone Number | (903) 676-1900 | |||
| Website | www.bankfsb.com | |||
| Asset Quality |
First State Bank
Athens, TX |
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| 1-Year Asset Growth | 6.23% | |||
| 5-Year Asset Growth | 7.05% | |||
| 5-Year Charge-Offs to Average Loans | 0.03% | |||
| Charge-Offs to Average Loans | 0.03% | |||
| Non-Performing Assets to Assets | 0.51% | |||
| Non-Performing Loans to Capital | 4.03% | |||
| Non-Performing Loans to Loans | 0.80% | |||
| Balance Sheet |
First State Bank
Athens, TX |
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| Total Assets | 761.73M | |||
| Total Deposits | 669.47M | |||
| Capital and Reserves |
First State Bank
Athens, TX |
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| Capital | 84.40M | |||
| Leverage Ratio | 11.44 | |||
| Loan Loss Reserves to Loans | 1.32% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First State Bank
Athens, TX |
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| Hot Money Ratio | 18.61% | |||
| Liquidity Ratio | 14.34% | |||
| Profitability |
First State Bank
Athens, TX |
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| 5-Year Return on Average Assets | 1.23% | |||
| Net Income | 6.32M | |||
| Net Interest Spread | 4.42% | |||
| Operating Profit to Average Assets | 2.06% | |||
| Overhead Efficiency Ratio | 57.92% | |||
| Return on Assets | 1.63% | |||
| Return on Equity | 15.23% | |||