| Weiss Ratings |
First State Bank
Graham, TX |
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| Rating | ||||
| Asset Quality Index | 8.10 | |||
| Capitalization Index | 8.80 | |||
| Liquidity Index | 3.70 | |||
| Profitability Index | 5.60 | |||
| 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 | 11.37% | |||
| 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 | 0.83% | |||
| Non-Performing Loans to Loans | 0.06% | |||
| Balance Sheet |
First State Bank
Graham, TX |
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| Total Assets | 284.56M | |||
| Total Deposits | 253.80M | |||
| Capital and Reserves |
First State Bank
Graham, TX |
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| Capital | 22.84M | |||
| Leverage Ratio | 10.19 | |||
| Loan Loss Reserves to Loans | 1.08% | |||
| Risk-Based Capital Ratio | 18.30 | |||
| Liquidity |
First State Bank
Graham, TX |
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| Hot Money Ratio | 33.08% | |||
| Liquidity Ratio | 41.04% | |||
| Profitability |
First State Bank
Graham, TX |
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| 5-Year Return on Average Assets | 1.66% | |||
| Net Income | 1.80M | |||
| Net Interest Spread | 3.85% | |||
| Operating Profit to Average Assets | 1.26% | |||
| Overhead Efficiency Ratio | 64.75% | |||
| Return on Assets | 1.26% | |||
| Return on Equity | 16.19% | |||