First State Bank (FDIC #18301): Bank Stress & Real-Estate Credit Exposure

First State Bank (FDIC Cert #18301): bank stress 38/100, contained, STABLE over 7 days; parent SOUTH TEXAS BANCSHARES INC.

First State Bank (#18301) lends in 4 counties across 1 state; First State Bank (#18301) reaches 165 ZIP codes: Texas 4 counties, 165 ZIPs.

First State Bank (#18301) largest markets: Dallas County, TX (95 branches, 95 ZIPs) (#18301), Collin County, TX (40 branches, 40 ZIPs) (#18301), Lubbock County, TX (26 branches, 26 ZIPs) (#18301), Lamb County, TX (14 branches, 14 ZIPs) (#18301).

First State Bank (#18301) reports $150.8 million in total assets; First State Bank (#18301) equity $26.5 million (17.6% of First State Bank (#18301) assets); First State Bank (#18301) domestic deposits $122.9 million; First State Bank (#18301) net income $997,000; First State Bank (#18301) return on assets 1.32%; First State Bank (#18301) return on equity 7.56%; First State Bank (#18301) net interest income $3.4 million; First State Bank (#18301) call report June 30, 2026.

First State Bank (#18301) noncurrent real-estate loans: none reported; First State Bank (#18301) net charge-offs on real estate 0.02%.

First State Bank (#18301) net interest margin 4.90% against an eight-quarter First State Bank (#18301) average of 5.54% (First State Bank (#18301) compression 0.63 points); First State Bank (#18301) rate-exposure score 40/100, First State Bank (#18301) fixed-rate trap 40/100; First State Bank (#18301) risk type rate trapped; First State Bank (#18301) rate regime rates elevated, First State Bank (#18301) snapshot October 20, 2026.

First State Bank (#18301) stress score moved from 41 on June 22, 2026 to 37.5 on October 20, 2026; First State Bank (#18301) ranged 37.5 to 41 over 117 snapshots.

First State Bank (#18301) alerts: 4 counties; top First State Bank (#18301) alert scores: Dallas County, TX 31 (low); Amherst County, TX 15 (low); Plano County, TX 15 (low); Shallowater County, TX 15 (low).