# FIRST STATE BANK
HALLSVILLE, TX · FDIC certificate 11140 · asset band <$300M · latest filing 2013-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $32.6M | |
| Deposits | $28.9M | |
| Loans and leases | $10.8M | |
| Total equity | $3.6M | |
| Loans / deposits | 36.94% (p9 of band) | 68.67% |
| Liquid assets / assets | 64.64% (p92 of band) | |
| Uninsured deposits / deposits | 5.68% (p19 of band) | 11.61% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.08% (p64 of band) | 10.18% |
| Unrealized securities loss / equity | -4.89% (p17 of band) | -0.21% |
| AOCI / equity | -6.48% (p25 of band) | |
| ROA (annualized) | 0.57% (p37 of band) | 0.77% |
| Net interest margin | 2.44% (p7 of band) | 3.59% |
| Efficiency ratio | 79.11% (p62 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.13% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 83% | |
| Construction % of loans | 20.41% (p57 of band) | |
| Auto loans | $399,000 (3.70% of loans; DQ 4.01%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -13.7% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 2 | deposits shrinking, assets shrinking |  |
| 2012-12 | 4 | reserve under noncurrent, uninsured deposits leaving |  |
| 2013-03 | 4 | NIM <2.5% | uninsured deposits leaving |
| 2013-06 | 3 |  | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [First State Bank merger with Bastrop bank complete - Colorado County Citizen](https://news.google.com/rss/articles/CBMiowFBVV95cUxNUVVUT283T3NSdFZxWm1lNzlSdS0wS1R5UlNGX3FTYnNFT3gxWVdGTy03dDUtQmN0eW9yTHd0d0R0ZW43UUpFQ1JBV0E1SGFlUnp3YTFzNDh5MjM1MVg4VkptSXVtc19KR1EybW1lZUV0RWZWLUJsTDJfd2d1aVFEQkxYWFJaNUNrY1BRZDc4bmRuZzJyRVc1TldYWUZwUVBzT3pj?oc=5) · Colorado County Citizen
- 2026-04-08 [First Bank Corp completes buyout of First State Bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMijwFBVV95cUxPcWJzZzdpcklaMW01dWF2UWxGUU0tcmRXQ2xXMGNDcE5GNV9pak4yUk9aQUJHN1ZvclNCaHp4X0N6djdqSnVFWnJFSl9DZHhzdTFyRloxUFMzTGpjSjFQeU9Tci1lTDMyTUR1ZjJoLThQdVNIVDdqNVJKaUdOQXg2eVRWdENjXzJVV3hXMmF4WQ?oc=5) · Talk Business &amp; Politics
- 2026-07-30 [Citizens Bank of Las Cruces to merge with Socorro-based First State Bank - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxNUDlrSFhzUWx3dF85emdzT0J5Vmtyd2p5eFc5akU4QzY0QUtVcDBpdDNoQ3BZWjdZZnlKT3ZzZWZIM3BXTW1fSk93emNmRW9sRmdKWWZMNUk5VGx6N2tETEUyT0cycmpFLWkxRHFxcEt0QWpFMFFLRE5KeF9vbE1HZF9vWm5wRzBNWW5SWEVHdmlWcUdFMlRUb2Fxd2pjRmc?oc=5) · The Business Journals
- 2026-02-20 [First State Bank of Burnet breaks ground on new location in Plainview - Plainview Herald](https://news.google.com/rss/articles/CBMioAFBVV95cUxPdU1BcGFwZW9iN00wdnJNc2xQNUV5TVlKMXItTEtHaXhJMzFzT2dvUVNpSG1KUnZhR3M1THJwVEFYVy1EclAtZ2FxMjJHanJKTkxFdXhlYVZLaDJPQ2RZMTlMUi05NUR6MWgtdkpPZ0VjTG5vSlZTMmF4VFg1NDlEMnBQTzZvcVlOd3J4dzl3aDhMaFZXY3VwRUc5c0t6elIz?oc=5) · Plainview Herald
- 2026-03-11 [How students can apply for First State Bank’s $1,000 scholarships - Stevens Point Journal](https://news.google.com/rss/articles/CBMi4wFBVV95cUxOSDVxQ1ExYmluRVg3VmhROHozQzQ1SXpnTGwtVmRGOUhGWkMxZWdWWU42SVFTYk1hNnN1NmppSTJIZFhVY3A1M1NrNzRsUVg3N0stU2ZHY0xvM2N3VUZ2OTNGX01jYVRUTkxrVUdITXVVYnZJSHZCVWdHNGUwV1JUc05DZWlUZHdLRzBraE1JWWJZQmdwSTlvNlVrakp4bEdiell5cm16YVV5TnMtMlFkbS1vN2RGM0dCMEIzd2h0akRtQkRfVXBOQUVVLS1RR3VfeHpTTnhISUdzUmZlOUFuS3RMMA?oc=5) · Stevens Point Journal
- 2026-05-12 [Banking legend Carlos Vacek dies at 89 - The Record Newspapers](https://news.google.com/rss/articles/CBMiowFBVV95cUxNODNOQ2ZscG9GWEdESmtZcHNoNXZmc2dFVmdxQ0xEOC1DNXNTaUZjRlRySDFaMTBuSHpSckFaalVJX1d5S1prSmR4ZTcyaWdBQ1NsUlVzRXRudVZIc1FFNHNod0pRejdmcmdvLUdCWkxCZl9TTno2TmpLQnlRN1pwQ3UzTjBTZ3l0MXUxbTNWQUdESDMxeXZ6Q0JscFQ0b2ppcVNN?oc=5) · The Record Newspapers
- 2026-05-08 [Bastrop residents could see expanded First National Bank services following acquisition - Community Impact](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOb1QtWkJhdTRzVWdLUFNOX1dZd09fY1RWNFpIS1JMa2tkT0lZTHZxQWU5YldxNThhakRCakRyc2VadTRLSHN3dXVwZ3podTJFT09CdmYxM3lJTWItMnJzR1NqcFJfZ19wMGxidzVsbkRFOG45M2RSOU41Wng5VzVFOXFLQXJTMGlYZ2xBTmJGb0ZQcVkwUDd2alBJOTI4dDFXd2JxMXh1czlnVzMyZGp0U1VTQzdhQVZJVDdQT0pjWEdULXdSQk12QzZBVW5BVHVUbG5FVkNndHBOQklkYUE?oc=5) · Community Impact
- 2026-02-20 [First State Bank of Uvalde, Stary family donate to support first responder training - Uvalde Leader News](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOcmt2RERGcG11R1ZmTUZKYjlHYV9rZGVaOFV2d2tPTm1uYUdwR2o2MnUtMzY2dXNtVTFwWEJybnBjWHVjUjVDdkh5OUVQeHVrNUNENkJmTzhZb29PSFFkQWwtaWx0NmpIbWU2TGNYUHZGOHNOZ0dCRENyNHE3V3ZoWVZtVGQ4RlJUNVZ0Q1RZR0dla1paYkdSdEM3R1lNa1JtUDNTQTFMRVlFRy1mQWNUOU9wb3ZTb0ZjT1VBNElLbUJPRVE?oc=5) · Uvalde Leader News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11140 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/4.json (key "11140", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide