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First State Bank Of Texas

Orange, TX · Est. 1914 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

First State Bank Of Texas is a bank based in Orange, Texas, established in 1914, with $349 million in total assets across 6 branches. By Trust Grade it ranks 11th of 349 banks we track in Texas. Its capital ratio of 10.3% is stronger than 52% of similarly sized banks, versus a Texas median of 10.9%. It was profitable over the most recent period, with a 1.04% return on assets. No consumer complaints against First State Bank Of Texas appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$349.0M
$100M–1B institution
Deposits
$311.2M
Branches
6
Capital ratio
10.3%
Top 48% of $100M–1B peers · Texas median 10.9%
Return on assets
1.0%
Bottom 41% of $100M–1B peers · Texas median 1.38%
Rank in Texas
#11
of 349 banks

How First State Bank Of Texas compares to Texas peers

Capital ratio
Top 48% of $100M–1B peers
First State
10.3%
Texas median
10.9%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 41% of $100M–1B peers
First State
1.0%
Texas median
1.4%
Higher ROA = more profitable relative to asset base

How we graded First State Bank Of Texas

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (10.3% capital ratio)
  • Strongly profitable (ROA 1.04%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for First State Bank Of Texas over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (6)

  • 422 Dibrell Avenue, Three Rivers, TX 78071
  • 1384 N Main St, Vidor, TX 77662
  • 3475 Phelan Blvd, Beaumont, TX 77707
  • 25700 I - 45 North, Spring, TX 77386
  • 27920 Tomball Pkwy, Tomball, TX 77375
  • 4039 I-10 East, Orange, TX 77630

Are deposits at First State Bank Of Texas insured?

Yes. First State Bank Of Texas is an FDIC-insured bank (FDIC certificate #11922). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

First State Bank Of Texas: frequently asked questions

Is First State Bank Of Texas a good bank?

First State Bank Of Texas earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.3% capital ratio); Strongly profitable (ROA 1.04%).

Is First State Bank Of Texas FDIC-insured?

Yes. First State Bank Of Texas is a FDIC-insured bank (FDIC certificate #11922). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is First State Bank Of Texas?

First State Bank Of Texas holds $349 million in total assets, ranking 11th of 349 banks we track in Texas. It operates 6 branches.

Does First State Bank Of Texas have CFPB complaints?

No CFPB complaints against First State Bank Of Texas appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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