| Weiss Ratings |
First State Bank of Odem
Odem, TX |
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| Rating | ||||
| Asset Quality Index | 8.80 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 4.10 | |||
| Profitability Index | 9.80 | |||
| Stability Index | 8.00 | |||
| Company Info |
First State Bank of Odem
Odem, TX |
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| FDIC Number | 16334 | |||
| Phone Number | (361) 368-2651 | |||
| Website | www.fsbodem.com | |||
| Asset Quality |
First State Bank of Odem
Odem, TX |
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| 1-Year Asset Growth | 9.19% | |||
| 5-Year Asset Growth | 6.90% | |||
| 5-Year Charge-Offs to Average Loans | -0.02% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.00% | |||
| Non-Performing Loans to Capital | 0.00% | |||
| Non-Performing Loans to Loans | 0.00% | |||
| Balance Sheet |
First State Bank of Odem
Odem, TX |
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| Total Assets | 202.22M | |||
| Total Deposits | 167.47M | |||
| Capital and Reserves |
First State Bank of Odem
Odem, TX |
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| Capital | 33.65M | |||
| Leverage Ratio | 16.66 | |||
| Loan Loss Reserves to Loans | 2.53% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First State Bank of Odem
Odem, TX |
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| Hot Money Ratio | 9.81% | |||
| Liquidity Ratio | 39.24% | |||
| Profitability |
First State Bank of Odem
Odem, TX |
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| 5-Year Return on Average Assets | 1.72% | |||
| Net Income | 1.11M | |||
| Net Interest Spread | 5.45% | |||
| Operating Profit to Average Assets | 2.79% | |||
| Overhead Efficiency Ratio | 51.48% | |||
| Return on Assets | 2.21% | |||
| Return on Equity | 13.44% | |||