First State Bank (FDIC #17588): Bank Stress & Real-Estate Credit Exposure
First State Bank (FDIC Cert #17588): bank stress 46/100, moderate, STABLE over 7 days; parent LOUISE BANCSHARES INC.
First State Bank (#17588) lends in 9 counties across 1 state; First State Bank (#17588) reaches 110 ZIP codes: Texas 9 counties, 110 ZIPs.
First State Bank (#17588) largest markets: Fort Bend County, TX (35 branches, 35 ZIPs) (#17588), Brazoria County, TX (42 branches, 21 ZIPs) (#17588), Matagorda County, TX (28 branches, 14 ZIPs) (#17588), Wharton County, TX (52 branches, 13 ZIPs) (#17588), Victoria County, TX (12 branches, 12 ZIPs) (#17588), Jackson County, TX (10 branches, 10 ZIPs) (#17588).
First State Bank (#17588) reports $895.2 million in total assets; First State Bank (#17588) equity $80.1 million (8.9% of First State Bank (#17588) assets); First State Bank (#17588) domestic deposits $806.8 million; First State Bank (#17588) net income $10.8 million; First State Bank (#17588) return on assets 2.44%; First State Bank (#17588) return on equity 27.45%; First State Bank (#17588) net interest income $21.7 million; First State Bank (#17588) call report June 30, 2026.
First State Bank (#17588) noncurrent real-estate loans: none reported; First State Bank (#17588) net charge-offs on real estate 2.75%; First State Bank (#17588) residential charge-offs 7.45%.
First State Bank (#17588) net interest margin 5.21% against an eight-quarter First State Bank (#17588) average of 5.16% (First State Bank (#17588) compression -0.04 points); First State Bank (#17588) non-residential real estate 744.6% of equity; First State Bank (#17588) rate-exposure score 40/100, First State Bank (#17588) fixed-rate trap 40/100; First State Bank (#17588) risk type credit driven; First State Bank (#17588) rate regime rates elevated, First State Bank (#17588) snapshot October 20, 2026.
First State Bank (#17588) stress score moved from 48 on June 22, 2026 to 45.5 on October 20, 2026; First State Bank (#17588) ranged 45.5 to 48 over 117 snapshots.
First State Bank (#17588) alerts: 9 counties; top First State Bank (#17588) alert scores: Victoria County, TX 30 (low); Blessing County, TX 17 (low); Dilley County, TX 17 (low); Ganado County, TX 17 (low); Shiner County, TX 17 (low).