First State Bank (FDIC #15511): Bank Stress & Real-Estate Credit Exposure

First State Bank (FDIC Cert #15511): bank stress 80/100, severe, STABLE over 7 days; parent RED RIVER BCORP INC.

First State Bank (#15511) lends in 7 counties across 1 state; First State Bank (#15511) reaches 144 ZIP codes: Texas 7 counties, 144 ZIPs.

First State Bank (#15511) largest markets: Collin County, TX (40 branches, 40 ZIPs) (#15511), Denton County, TX (120 branches, 40 ZIPs) (#15511), Mclennan County, TX (29 branches, 29 ZIPs) (#15511), Grayson County, TX (63 branches, 21 ZIPs) (#15511), Wise County, TX (18 branches, 18 ZIPs) (#15511), Cooke County, TX (64 branches, 16 ZIPs) (#15511).

First State Bank (#15511) reports $1.85 billion in total assets; First State Bank (#15511) equity $154.7 million (8.4% of First State Bank (#15511) assets); First State Bank (#15511) domestic deposits $1.66 billion; First State Bank (#15511) net income $7.3 million; First State Bank (#15511) return on assets 0.80%; First State Bank (#15511) return on equity 9.52%; First State Bank (#15511) net interest income $33.5 million; First State Bank (#15511) call report June 30, 2026.

First State Bank (#15511) noncurrent real-estate loans 0.16% of its book; First State Bank (#15511) residential 0.29%; First State Bank (#15511) net charge-offs on real estate 1.08%; First State Bank (#15511) residential charge-offs 1.87%.

First State Bank (#15511) net interest margin 4.06% against an eight-quarter First State Bank (#15511) average of 3.47% (First State Bank (#15511) compression -0.59 points); First State Bank (#15511) real-estate loans 16.1% of equity; First State Bank (#15511) non-residential real estate 187.3% of equity; First State Bank (#15511) rate-exposure score 40/100, First State Bank (#15511) fixed-rate trap 40/100; First State Bank (#15511) risk type credit driven; First State Bank (#15511) rate regime rates elevated, First State Bank (#15511) snapshot October 20, 2026.

First State Bank (#15511) stress score moved from 80.2 on June 22, 2026 to 80.4 on October 20, 2026; First State Bank (#15511) ranged 80.2 to 80.4 over 117 snapshots.

First State Bank (#15511) alerts: 7 counties; top First State Bank (#15511) alert scores: Celina County, TX 24 (low); Decatur County, TX 24 (low); Muenster County, TX 24 (low); Roanoke County, TX 24 (low); Saint Jo County, TX 24 (low).