First State Bank (FDIC #24498): Bank Stress & Real-Estate Credit Exposure

First State Bank (FDIC Cert #24498): bank stress 66/100, elevated, STABLE over 7 days; parent WOODSON BANCSHARES INC.

First State Bank (#24498) lends in 4 counties across 1 state; First State Bank (#24498) reaches 30 ZIP codes: Texas 4 counties, 30 ZIPs.

First State Bank (#24498) largest markets: Jack County, TX (11 branches, 11 ZIPs) (#24498), Archer County, TX (10 branches, 10 ZIPs) (#24498), Throckmorton County, TX (14 branches, 7 ZIPs) (#24498), Young County, TX (18 branches, 6 ZIPs) (#24498).

First State Bank (#24498) reports $308.8 million in total assets; First State Bank (#24498) equity $25.6 million (8.3% of First State Bank (#24498) assets); First State Bank (#24498) domestic deposits $275.9 million; First State Bank (#24498) net income $2.3 million; First State Bank (#24498) return on assets 1.52%; First State Bank (#24498) return on equity 17.82%; First State Bank (#24498) net interest income $5.4 million; First State Bank (#24498) call report June 30, 2026.

First State Bank (#24498) noncurrent real-estate loans: none reported; First State Bank (#24498) net charge-offs on real estate 0.00%.

First State Bank (#24498) net interest margin 3.84% against an eight-quarter First State Bank (#24498) average of 3.82% (First State Bank (#24498) compression -0.02 points); First State Bank (#24498) rate-exposure score 40/100, First State Bank (#24498) fixed-rate trap 40/100; First State Bank (#24498) risk type credit driven; First State Bank (#24498) rate regime rates elevated, First State Bank (#24498) snapshot October 20, 2026.

First State Bank (#24498) stress score moved from 66.6 on June 22, 2026 to 66.2 on October 20, 2026; First State Bank (#24498) ranged 66.2 to 66.6 over 117 snapshots.

First State Bank (#24498) alerts: 4 counties; top First State Bank (#24498) alert scores: Archer City County, TX 21 (low); Jacksboro County, TX 21 (low); Olney County, TX 21 (low); Woodson County, TX 21 (low).