| Weiss Ratings |
First State Bank
Graham, TX |
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| Rating | ||||
| Asset Quality Index | 8.10 | |||
| Capitalization Index | 9.00 | |||
| Liquidity Index | 3.50 | |||
| Profitability Index | 4.50 | |||
| Stability Index | 6.10 | |||
| 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 | 11.69% | |||
| 5-Year Asset Growth | 16.33% | |||
| 5-Year Charge-Offs to Average Loans | 0.03% | |||
| Charge-Offs to Average Loans | 0.01% | |||
| Non-Performing Assets to Assets | 0.03% | |||
| Non-Performing Loans to Capital | 0.31% | |||
| Non-Performing Loans to Loans | 0.05% | |||
| Balance Sheet |
First State Bank
Graham, TX |
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| Total Assets | 280.77M | |||
| Total Deposits | 250.33M | |||
| Capital and Reserves |
First State Bank
Graham, TX |
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| Capital | 22.42M | |||
| Leverage Ratio | 10.35 | |||
| Loan Loss Reserves to Loans | 0.99% | |||
| Risk-Based Capital Ratio | 17.93 | |||
| Liquidity |
First State Bank
Graham, TX |
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| Hot Money Ratio | 32.56% | |||
| Liquidity Ratio | 38.11% | |||
| Profitability |
First State Bank
Graham, TX |
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| 5-Year Return on Average Assets | 1.66% | |||
| Net Income | 796.00K | |||
| Net Interest Spread | 3.77% | |||
| Operating Profit to Average Assets | 1.13% | |||
| Overhead Efficiency Ratio | 65.52% | |||
| Return on Assets | 1.13% | |||
| Return on Equity | 14.63% | |||