D
The First Bank of Celeste
CelesteTX
Rating Date
June 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 2.30
Liquidity Index 3.20
Profitability Index 5.30
Stability Index 4.80
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 0.22%
5-Year Asset Growth 10.36%
5-Year Charge-Offs to Average Loans 0.08%
Charge-Offs to Average Loans -0.30%
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 79.83M
Total Deposits 72.95M
Capital and Reserves The First Bank of Celeste
Celeste, TX
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Capital 6.43M
Leverage Ratio 8.04
Loan Loss Reserves to Loans 1.78%
Risk-Based Capital Ratio 22.55
Liquidity The First Bank of Celeste
Celeste, TX
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Hot Money Ratio 18.12%
Liquidity Ratio 62.36%
Profitability The First Bank of Celeste
Celeste, TX
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5-Year Return on Average Assets 1.06%
Net Income 251.00K
Net Interest Spread 3.70%
Operating Profit to Average Assets 1.26%
Overhead Efficiency Ratio 67.05%
Return on Assets 1.26%
Return on Equity 15.74%