Total Assets
$1.9B
Total Deposits
$1.7B
Branches
14
Established
1905
First State Bank is a bank headquartered in Gainesville, Texas, established in 1905. It holds $1.9B in total assets across 14 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First State Bank earns a TFS Financial Health Grade of C (66.3/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
66.3 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| First State BankHQ | 801 E California St | Gainesville | TX | 11 |
| First State Bank | 433 S Preston Rd | Celina | TX | 11 |
| First State Bank | 661 W Thompson St | Decatur | TX | 11 |
| First State Bank | 3427 W Fm 120 | Denison | TX | 11 |
| First State Bank | 400 W Oak St | Denton | TX | 11 |
| First State Bank | 2430 W University Dr | Denton | TX | 11 |
| First State Bank | 808 E Highway 82 | Gainesville | TX | 11 |
| First State Bank | 6586 Fm 902 | Gainesville | TX | 11 |
| First State Bank | 519 E Division St | Muenster | TX | 11 |
| First State Bank | 211 S Oak St | Roanoke | TX | 11 |
| First State Bank | 108 E. Howell Street | Saint Jo | TX | 11 |
| First State Bank | 2315 North Highway 75 | Sherman | TX | 11 |
| First State Bank | 719 North New Road | Waco | TX | 11 |
| First State Bank | 542 Highway 377 N | Whitesboro | TX | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
66.3
Tier 1 capital ratio
9.61%
Return on assets
0.80%
Non-performing loans
0.94%
Efficiency ratio
76.09%
Asset growth (YoY)
2.18%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.