First State Bank Of Texas (FDIC #11922): Bank Stress & Real-Estate Credit Exposure
First State Bank Of Texas (FDIC Cert #11922): bank stress 80/100, severe, STABLE over 7 days; parent COUNTY BANCSHARES INC.
First State Bank Of Texas (#11922) lends in 5 counties across 1 state; First State Bank Of Texas (#11922) reaches 198 ZIP codes: Texas 5 counties, 198 ZIPs.
First State Bank Of Texas (#11922) largest markets: Harris County, TX (143 branches, 143 ZIPs) (#11922), Montgomery County, TX (27 branches, 27 ZIPs) (#11922), Jefferson County, TX (18 branches, 18 ZIPs) (#11922), Live Oak County, TX (10 branches, 10 ZIPs) (#11922), Orange County, TX (8 branches, 4 ZIPs) (#11922).
First State Bank Of Texas (#11922) reports $353.6 million in total assets; First State Bank Of Texas (#11922) equity $34.9 million (9.9% of First State Bank Of Texas (#11922) assets); First State Bank Of Texas (#11922) domestic deposits $316.3 million; First State Bank Of Texas (#11922) net income $1.0 million; First State Bank Of Texas (#11922) return on assets 0.57%; First State Bank Of Texas (#11922) return on equity 5.70%; First State Bank Of Texas (#11922) net interest income $8.3 million; First State Bank Of Texas (#11922) call report June 30, 2026.
First State Bank Of Texas (#11922) noncurrent real-estate loans: none reported; First State Bank Of Texas (#11922) net charge-offs on real estate 3.20%; First State Bank Of Texas (#11922) residential charge-offs 5.93%.
First State Bank Of Texas (#11922) net interest margin 5.04% against an eight-quarter First State Bank Of Texas (#11922) average of 4.81% (First State Bank Of Texas (#11922) compression -0.23 points); First State Bank Of Texas (#11922) non-residential real estate 593.1% of equity; First State Bank Of Texas (#11922) rate-exposure score 40/100, First State Bank Of Texas (#11922) fixed-rate trap 40/100; First State Bank Of Texas (#11922) risk type credit driven; First State Bank Of Texas (#11922) rate regime rates elevated, First State Bank Of Texas (#11922) snapshot October 19, 2026.
First State Bank Of Texas (#11922) stress score moved from 67.1 on June 22, 2026 to 79.6 on October 19, 2026; First State Bank Of Texas (#11922) ranged 67.1 to 79.6 over 116 snapshots.
First State Bank Of Texas (#11922) alerts: 5 counties; top First State Bank Of Texas (#11922) alert scores: Beaumont County, TX 23 (low); Spring County, TX 23 (low); Three Rivers County, TX 23 (low); Tomball County, TX 23 (low); Vidor County, TX 23 (low).