First State Bank (FDIC #16695): Bank Stress & Real-Estate Credit Exposure

First State Bank (FDIC Cert #16695): bank stress 39/100, contained, STABLE over 7 days; parent STRATFORD BANCSHARES INC.

First State Bank (#16695) lends in 3 counties across 1 state; First State Bank (#16695) reaches 13 ZIP codes: Texas 3 counties, 13 ZIPs.

First State Bank (#16695) largest markets: Moore County, TX (7 branches, 7 ZIPs) (#16695), Sherman County, TX (5 branches, 5 ZIPs) (#16695), Hartley County, TX (4 branches, 4 ZIPs) (#16695).

First State Bank (#16695) reports $371.9 million in total assets; First State Bank (#16695) equity $43.7 million (11.7% of First State Bank (#16695) assets); First State Bank (#16695) domestic deposits $326.4 million; First State Bank (#16695) net income $4.3 million; First State Bank (#16695) return on assets 2.27%; First State Bank (#16695) return on equity 19.82%; First State Bank (#16695) net interest income $7.0 million; First State Bank (#16695) call report June 30, 2026.

First State Bank (#16695) noncurrent real-estate loans: none reported; First State Bank (#16695) net charge-offs on real estate 0.00%.

First State Bank (#16695) net interest margin 3.91% against an eight-quarter First State Bank (#16695) average of 3.74% (First State Bank (#16695) compression -0.17 points); First State Bank (#16695) rate-exposure score 40/100, First State Bank (#16695) fixed-rate trap 40/100; First State Bank (#16695) risk type rate trapped; First State Bank (#16695) rate regime rates elevated, First State Bank (#16695) snapshot October 20, 2026.

First State Bank (#16695) stress score moved from 38.6 on June 22, 2026 to 39 on October 20, 2026; First State Bank (#16695) ranged 38.6 to 39 over 117 snapshots.

First State Bank (#16695) alerts: 3 counties; top First State Bank (#16695) alert scores: Dalhart County, TX 15 (low); Dumas County, TX 15 (low); Stratford County, TX 15 (low).