D
The First Bank of Celeste
CelesteTX
Rating Date
April 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The First Bank of Celeste
Celeste, TX
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Rating D
Asset Quality Index 7.60
Capitalization Index 1.00
Liquidity Index 3.20
Profitability Index 5.40
Stability Index 4.90
Company Info The First Bank of Celeste
Celeste, TX
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FDIC Number 3133
Phone Number (903) 568-4211
Website www.fbceleste.com
Asset Quality The First Bank of Celeste
Celeste, TX
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1-Year Asset Growth 1.56%
5-Year Asset Growth 10.36%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.23%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet The First Bank of Celeste
Celeste, TX
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Total Assets 80.26M
Total Deposits 73.60M
Capital and Reserves The First Bank of Celeste
Celeste, TX
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Capital 6.33M
Leverage Ratio 7.86
Loan Loss Reserves to Loans 1.64%
Risk-Based Capital Ratio 21.43
Liquidity The First Bank of Celeste
Celeste, TX
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Hot Money Ratio 17.88%
Liquidity Ratio 61.83%
Profitability The First Bank of Celeste
Celeste, TX
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5-Year Return on Average Assets 0.99%
Net Income 1.08M
Net Interest Spread 3.92%
Operating Profit to Average Assets 1.38%
Overhead Efficiency Ratio 64.46%
Return on Assets 1.38%
Return on Equity 17.86%