First State Bank
| Weiss Ratings |
First State Bank
Gainesville, TX |
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| Rating | ||||
| Asset Quality Index | 6.80 | |||
| Capitalization Index | 7.90 | |||
| Liquidity Index | 4.10 | |||
| Profitability Index | 0.80 | |||
| Stability Index | 5.90 | |||
| Company Info |
First State Bank
Gainesville, TX |
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| FDIC Number | 15511 | |||
| Phone Number | (940) 665-1711 | |||
| Website | www.firststate.bank | |||
| Asset Quality |
First State Bank
Gainesville, TX |
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| 1-Year Asset Growth | 2.18% | |||
| 5-Year Asset Growth | 7.09% | |||
| 5-Year Charge-Offs to Average Loans | 0.18% | |||
| Charge-Offs to Average Loans | 0.40% | |||
| Non-Performing Assets to Assets | 0.65% | |||
| Non-Performing Loans to Capital | 4.71% | |||
| Non-Performing Loans to Loans | 0.95% | |||
| Balance Sheet |
First State Bank
Gainesville, TX |
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| Total Assets | 1.85B | |||
| Total Deposits | 1.66B | |||
| Capital and Reserves |
First State Bank
Gainesville, TX |
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| Capital | 154.69M | |||
| Leverage Ratio | 9.61 | |||
| Loan Loss Reserves to Loans | 1.36% | |||
| Risk-Based Capital Ratio | 15.18 | |||
| Liquidity |
First State Bank
Gainesville, TX |
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| Hot Money Ratio | 16.22% | |||
| Liquidity Ratio | 26.61% | |||
| Profitability |
First State Bank
Gainesville, TX |
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| 5-Year Return on Average Assets | 0.70% | |||
| Net Income | 7.29M | |||
| Net Interest Spread | 4.02% | |||
| Operating Profit to Average Assets | 0.92% | |||
| Overhead Efficiency Ratio | 76.09% | |||
| Return on Assets | 0.78% | |||
| Return on Equity | 9.55% | |||