| Weiss Ratings |
First State Bank
Graham, TX |
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| Rating | ||||
| Asset Quality Index | 8.10 | |||
| Capitalization Index | 9.00 | |||
| Liquidity Index | 3.30 | |||
| Profitability Index | 5.50 | |||
| 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 | 6.25% | |||
| 5-Year Asset Growth | 16.33% | |||
| 5-Year Charge-Offs to Average Loans | 0.03% | |||
| Charge-Offs to Average Loans | 0.08% | |||
| Non-Performing Assets to Assets | 0.00% | |||
| Non-Performing Loans to Capital | 0.80% | |||
| Non-Performing Loans to Loans | 0.00% | |||
| Balance Sheet |
First State Bank
Graham, TX |
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| Total Assets | 289.13M | |||
| Total Deposits | 256.42M | |||
| Capital and Reserves |
First State Bank
Graham, TX |
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| Capital | 24.71M | |||
| Leverage Ratio | 10.32 | |||
| Loan Loss Reserves to Loans | 1.00% | |||
| Risk-Based Capital Ratio | 17.38 | |||
| Liquidity |
First State Bank
Graham, TX |
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| Hot Money Ratio | 33.74% | |||
| Liquidity Ratio | 35.98% | |||
| Profitability |
First State Bank
Graham, TX |
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| 5-Year Return on Average Assets | 1.66% | |||
| Net Income | 2.73M | |||
| Net Interest Spread | 3.85% | |||
| Operating Profit to Average Assets | 1.27% | |||
| Overhead Efficiency Ratio | 64.83% | |||
| Return on Assets | 1.27% | |||
| Return on Equity | 16.04% | |||