| Weiss Ratings |
First State Bank
Graham, TX |
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| Rating | ||||
| Asset Quality Index | 8.10 | |||
| Capitalization Index | 8.80 | |||
| Liquidity Index | 3.30 | |||
| Profitability Index | 6.10 | |||
| Stability Index | 6.20 | |||
| Company Info |
First State Bank
Graham, TX |
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| FDIC Number | 24498 | |||
| Phone Number | (940) 549-8880 | |||
| Website | fsbgraham.com | |||
| Asset Quality |
First State Bank
Graham, TX |
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| 1-Year Asset Growth | 6.84% | |||
| 5-Year Asset Growth | 12.74% | |||
| 5-Year Charge-Offs to Average Loans | 0.03% | |||
| Charge-Offs to Average Loans | 0.06% | |||
| 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
Graham, TX |
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| Total Assets | 291.76M | |||
| Total Deposits | 258.76M | |||
| Capital and Reserves |
First State Bank
Graham, TX |
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| Capital | 25.53M | |||
| Leverage Ratio | 10.18 | |||
| Loan Loss Reserves to Loans | 0.99% | |||
| Risk-Based Capital Ratio | 17.69 | |||
| Liquidity |
First State Bank
Graham, TX |
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| Hot Money Ratio | 34.50% | |||
| Liquidity Ratio | 35.68% | |||
| Profitability |
First State Bank
Graham, TX |
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| 5-Year Return on Average Assets | 1.66% | |||
| Net Income | 3.97M | |||
| Net Interest Spread | 3.87% | |||
| Operating Profit to Average Assets | 1.37% | |||
| Overhead Efficiency Ratio | 63.60% | |||
| Return on Assets | 1.37% | |||
| Return on Equity | 17.04% | |||