# FIRST STATE BANK OF TEXAS
ORANGE, TX · FDIC certificate 11922 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $353.6M | |
| Deposits | $316.3M | |
| Loans and leases | $259.5M | |
| Total equity | $34.9M | |
| Loans / deposits | 81.12% (p48 of band) | 82.04% |
| Liquid assets / assets | 21.72% (p38 of band) | |
| Uninsured deposits / deposits | 26.05% (p50 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.20% (p16 of band) | 10.81% |
| Unrealized securities loss / equity | -1.69% (p81 of band) | -8.10% |
| AOCI / equity | -1.02% (p22 of band) | |
| ROA (annualized) | 0.57% (p13 of band) | 1.28% |
| Net interest margin | 5.04% (p94 of band) | 3.91% |
| Efficiency ratio | 72.68% (p79 of band) | |
| Noncurrent loans | 2.85% (p94 of band) | 0.43% |
| Net charge-offs (annualized) | 1.09% (p98 of band) | |
| Reserve coverage of noncurrent | 39.05% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 167.67% (p98 of band) | |
| Auto loans | $2.2M (0.83% of loans; DQ 0.00%, NCO -0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.4% | |
| Employees | 67 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 3 | NIM <2.5% |  |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | reserve under noncurrent |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking | capital falling |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 4 | capital falling | assets shrinking |
| 2014-06 | 2 |  | deposits shrinking, capital falling |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 | capital falling | reserve under noncurrent |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | deposits shrinking, assets shrinking | NIM <2.5% |
| 2015-12 | 3 | uninsured deposits leaving |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-09 | 1 | deposits shrinking |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | losing money, expense ratio p90 |  |
| 2017-06 | 6 | capital falling, assets shrinking, uninsured deposits leaving |  |
| 2017-09 | 6 |  |  |
| 2017-12 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-03 | 1 |  | losing money, expense ratio p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 2 | charge-offs p90 |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 0 |  | charge-offs p90 |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | charge-offs p90 |
| 2022-12 | 1 | reserve under noncurrent |  |
| 2023-03 | 0 |  | reserve under noncurrent |
| 2023-06 | 1 | charge-offs p90 |  |
| 2023-09 | 2 | deposits shrinking |  |
| 2023-12 | 1 |  | deposits shrinking |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 1 | construction >100% equity | charge-offs p90, capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 4 | losing money, charge-offs p90 |  |
| 2025-09 | 1 |  | capital falling, losing money, charge-offs p90 |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | charge-offs p90 |  |
| 2026-06 | 4 | noncurrent p90, reserve under noncurrent |  |

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

- 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
- 2024-07-18 [Vidor Police, FBI investigating after masked man with gun robs bank Thursday morning - 12newsnow.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxQLXlvNjI4aFNUbmowOG93OE9qNURCeVR3R1R2eWxCTUpFM0ZTVnJmbDByRUJISG00Tm5zOXh5Uy1MR3lZWDI0SHNxRm5vUEU0ZU9iZFQ1d1dFeHA1bnJXbXFrbWlRX3FKN3VEX2c1UldIem5NVFB2SXE4Sy1STHZZN3ZkZ3lfdldpd05RQ1hUbDBKT0Q2eWVYWFpiaGx1RGc0SXRUeGpxSkk1NmRtRUtHblNZZFUyQQ?oc=5) · 12newsnow.com
- 2018-11-29 [First State Bank Opens New Location - KOGT](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9tcjNFWXlqSERnazlfX1h4a0hIM2lBdWJSaEZxcGptQzdFa19xNXVaQ3habHZkS3RuR1JId29QQjF2NURlRG1FeGxJZW1qVDNIcE9TVUk5OUJZSFc2MFcydkUyWQ?oc=5) · KOGT
- 2014-06-22 [Bank Notes: Meridian Bank completes acquisition of State Bank - The Business Press](https://news.google.com/rss/articles/CBMioAFBVV95cUxPNzdmMk9aTzhXT211ZVIxNmVrN1g1ZDJ0SmNEbVFPYTdndmhjZGV1by1DdzRPclFYTnk0REl1YmRqaFJPX2J1aVNCLTBwb3ZLanJlMzNMaUJhcXJ3WlUxY3c4ZUdPRU1yXzZ5ZnN4Vm1PWHRNN2hkem5sakVaMV8yaHVnTG5ValY3dHVMRDY4a2J2N2Y1ZzlRbFVNcGNkaTdU?oc=5) · The Business Press
- 2020-09-23 [Carlos R. Vacek to be honored as 50-Year Banker - Orange Leader](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQcVZkVjFoSk9Tc0dUTktjWm1GZ0RzUnBqQS1mX0NZZDdhMWh0bXhUN200TnZ1Wi15WjgxaF9Cc1BnV1REak5RUjVMRzdsbFczVE5BRkhWcDgyRlAwakV1akNCYkVLWklmcFF4eDZrQ25Tc1NZYXJOZHA0MVh6eE45YTgyMmhZSjIyZm0w?oc=5) · Orange Leader
- 2024-12-08 [Irene Cavanaugh Obituary - Taylor, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxQMklhRmcxT255Y29nNkJ4d2RLWXA5R3JQMnlNREtIaHdVMjVXUFU0ZlF2a3g3czFXamlCTi00MloxeGQ1QThSQjA5SHcyRzFRMThsbEdhZ1RYODNpUHpUTjN6Q2daUFFLWnlrSEt2eVpNY29MQmg2MUFOeUs2UzRxQU5KWQ?oc=5) · Dignity Memorial
- 2020-02-09 [People in Business: Beaumont CVB, Texas Council on Family Violence - Beaumont Enterprise](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNZWpIWDd2eEZLVXZ0M2VjMDVRZjktRXNZVkdZZC0zT3lzT2R3QkxSWmtneXQzRHNDRzFxaUtKVFFybHNSa1J1aU9zRFNOZTBfazBjX0o3cklLNGVkcHZCSlA1TGFLbV9XZHZDRDNWUTJNbjN6RzRtM1VKanVpd20zeWhzVTFiRWtVTU4tZ2NwcVllUTlhTm9veGtYTjhrcnpoazFDcGN6NVBnUQ?oc=5) · Beaumont Enterprise
- 2025-01-27 [139 Years Combined, Retiring - KOGT](https://news.google.com/rss/articles/CBMiWEFVX3lxTE13NUM2eVFjTTdrZ3V3Y2F0aGdjSG1zaUtuX0oyZFhWSkE3VzE3b0lFenM0YkZ6TWhKbElZY2dHdmhRV3h4ckZZSjlqR2E1SDdxdWlpY0hTYk8?oc=5) · KOGT

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11922 (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/18.json (key "11922", 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.

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