First State Bank (FDIC #11175): Bank Stress & Real-Estate Credit Exposure

First State Bank (FDIC Cert #11175): bank stress 44/100, contained, STABLE over 7 days; parent TURNER BANCSHARES INC.

First State Bank (#11175) lends in 3 counties across 1 state; First State Bank (#11175) reaches 28 ZIP codes: Texas 3 counties, 28 ZIPs.

First State Bank (#11175) largest markets: Haskell County, TX (11 branches, 11 ZIPs) (#11175), Hale County, TX (10 branches, 10 ZIPs) (#11175), Jones County, TX (10 branches, 10 ZIPs) (#11175).

First State Bank (#11175) reports $121.4 million in total assets; First State Bank (#11175) equity $16.4 million (13.5% of First State Bank (#11175) assets); First State Bank (#11175) domestic deposits $96.4 million; First State Bank (#11175) net income $1.1 million; First State Bank (#11175) return on assets 1.70%; First State Bank (#11175) return on equity 13.04%; First State Bank (#11175) net interest income $4.0 million; First State Bank (#11175) call report June 30, 2026.

First State Bank (#11175) noncurrent real-estate loans: none reported; First State Bank (#11175) net charge-offs on real estate 0.00%.

First State Bank (#11175) net interest margin 7.46% against an eight-quarter First State Bank (#11175) average of 7.16% (First State Bank (#11175) compression -0.30 points); First State Bank (#11175) rate-exposure score 40/100, First State Bank (#11175) fixed-rate trap 40/100; First State Bank (#11175) risk type credit driven; First State Bank (#11175) rate regime rates elevated, First State Bank (#11175) snapshot October 19, 2026.

First State Bank (#11175) stress score moved from 53.3 on June 22, 2026 to 44.1 on October 19, 2026; First State Bank (#11175) ranged 44.1 to 53.3 over 116 snapshots.

First State Bank (#11175) alerts: 3 counties; top First State Bank (#11175) alert scores: Haskell County, TX 30 (low); Abernathy County, TX 16 (low); Stamford County, TX 16 (low).