First State Bank
| Weiss Ratings |
First State Bank
Gainesville, TX |
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| Rating | ||||
| Asset Quality Index | 7.60 | |||
| Capitalization Index | 6.80 | |||
| Liquidity Index | 3.80 | |||
| Profitability Index | 2.40 | |||
| Stability Index | 4.30 | |||
| 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 | -0.96% | |||
| 5-Year Asset Growth | 10.73% | |||
| 5-Year Charge-Offs to Average Loans | 0.04% | |||
| Charge-Offs to Average Loans | 3.11% | |||
| Non-Performing Assets to Assets | 0.42% | |||
| Non-Performing Loans to Capital | 4.24% | |||
| Non-Performing Loans to Loans | 0.79% | |||
| Balance Sheet |
First State Bank
Gainesville, TX |
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| Total Assets | 1.77B | |||
| Total Deposits | 1.65B | |||
| Capital and Reserves |
First State Bank
Gainesville, TX |
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| Capital | 114.07M | |||
| Leverage Ratio | 8.81 | |||
| Loan Loss Reserves to Loans | 1.29% | |||
| Risk-Based Capital Ratio | 13.96 | |||
| Liquidity |
First State Bank
Gainesville, TX |
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| Hot Money Ratio | 16.89% | |||
| Liquidity Ratio | 18.78% | |||
| Profitability |
First State Bank
Gainesville, TX |
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| 5-Year Return on Average Assets | 0.71% | |||
| Net Income | 2.21M | |||
| Net Interest Spread | 3.11% | |||
| Operating Profit to Average Assets | 0.57% | |||
| Overhead Efficiency Ratio | 83.47% | |||
| Return on Assets | 0.48% | |||
| Return on Equity | 8.07% | |||