First State Bank (FDIC #15206): Bank Stress & Real-Estate Credit Exposure

First State Bank (FDIC Cert #15206): bank stress 54/100, moderate, STABLE over 7 days; parent JANE AUSTIN CHAPMAN MGNT L C.

First State Bank (#15206) lends in 3 counties across 1 state; First State Bank (#15206) reaches 43 ZIP codes: Texas 3 counties, 43 ZIPs.

First State Bank (#15206) largest markets: Navarro County, TX (17 branches, 17 ZIPs) (#15206), Henderson County, TX (80 branches, 16 ZIPs) (#15206), Kaufman County, TX (26 branches, 13 ZIPs) (#15206).

First State Bank (#15206) reports $761.7 million in total assets; First State Bank (#15206) equity $84.4 million (11.1% of First State Bank (#15206) assets); First State Bank (#15206) domestic deposits $669.5 million; First State Bank (#15206) net income $6.3 million; First State Bank (#15206) return on assets 1.65%; First State Bank (#15206) return on equity 15.25%; First State Bank (#15206) net interest income $16.5 million; First State Bank (#15206) call report June 30, 2026.

First State Bank (#15206) noncurrent real-estate loans: none reported; First State Bank (#15206) net charge-offs on real estate 0.82%.

First State Bank (#15206) net interest margin 4.51% against an eight-quarter First State Bank (#15206) average of 4.12% (First State Bank (#15206) compression -0.39 points); First State Bank (#15206) rate-exposure score 40/100, First State Bank (#15206) fixed-rate trap 40/100; First State Bank (#15206) risk type credit driven; First State Bank (#15206) rate regime rates elevated, First State Bank (#15206) snapshot October 20, 2026.

First State Bank (#15206) stress score moved from 55.3 on June 22, 2026 to 53.8 on October 20, 2026; First State Bank (#15206) ranged 53.8 to 55.3 over 117 snapshots.

First State Bank (#15206) alerts: 3 counties; top First State Bank (#15206) alert scores: Corsicana County, TX 18 (low); Mabank County, TX 18 (low); Malakoff County, TX 18 (low).