B
The First State Bank
LouiseTX
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The First State Bank
Louise, TX
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Rating B
Asset Quality Index 6.00
Capitalization Index 9.80
Liquidity Index 2.50
Profitability Index 10.00
Stability Index 5.70
Company Info The First State Bank
Louise, TX
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FDIC Number 17588
Phone Number (979) 648-2691
Website www.fsblouise.com
Asset Quality The First State Bank
Louise, TX
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1-Year Asset Growth 2.58%
5-Year Asset Growth 11.54%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.77%
Non-Performing Loans to Capital 6.48%
Non-Performing Loans to Loans 1.04%
Balance Sheet The First State Bank
Louise, TX
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Total Assets 845.84M
Total Deposits 762.30M
Capital and Reserves The First State Bank
Louise, TX
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Capital 75.56M
Leverage Ratio 10.85
Loan Loss Reserves to Loans 1.31%
Risk-Based Capital Ratio --
Liquidity The First State Bank
Louise, TX
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Hot Money Ratio 11.93%
Liquidity Ratio 22.69%
Profitability The First State Bank
Louise, TX
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5-Year Return on Average Assets 2.27%
Net Income 16.75M
Net Interest Spread 5.09%
Operating Profit to Average Assets 2.64%
Overhead Efficiency Ratio 50.42%
Return on Assets 2.64%
Return on Equity 32.57%