Vitals
  • Total Assets
    1.4B -2.4 %
  • Total Deposits
    1.1B -4.0 %
  • Total Net Loans
    647.6M 5.3 %
  • Net Income
    18.8M 19.9 %
  • Book Value
    151.4M 6.1 %
  • Book Value x2
    302.8M 6.1 %
  • Book Value x3
    454.2M 6.1 %
ROAA

1.384

ROAE

12.212

Efficiency Ratio

56.103

Net Interest Margin

3.508

Balance Sheet Highlights
Financial Highlights First State Bank Central Texas All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 1,358,684 358,087
Total Net Loans 647,592 213,533
Total Deposits 1,145,730 308,027
Total Equity 151,385 38,740
Profitability
Net Income 18,769 3,845
Return on Average Assets 1.384 1.025
Return on Average Equity 12.212 9.415
Net Interest Margin 3.508 3.773
Efficiency Ratio 56.103 66.762
Noninterest Income/Revenue 13.637 16.375
Balance Sheet Ratios
Loan-to-Deposit 56.522 65.494
Securities/Assets .457 .214
Total Equity/Total Assets .111 .108
Tangible Equity/Tangible Assets .105 .104
Capital Adequacy
Tier 1 Common Capital 146,801 37,278
Tier 1 Capital 146,801 37,303
Tier 2 Capital 6,324 2,526
Total Capital 153,125 39,866
Total Risk Weighted Assets 896,788 237,367
Leverage Ratio 10.99 10.563
Common Equity Tier 1 Capital Ratio 16.37 18.073
Tier 1 Capital Ratio 16.37 18.097
Total Capital Ratio 17.07 19.169

Timeline for First State Bank Central Texas

The First State Bank

Acquisition: First State Bank Central Texas acquired a new subsidiary, The First State Bank, 15 years

View Profile Jun 09 2008

First National Bank Of Hamilton

Acquisition: First State Bank Central Texas acquired a new subsidiary, First National Bank Of Hamilton, 18 years

View Profile Oct 14 2005

First National Bank

Acquisition: First State Bank Central Texas acquired a new subsidiary, First National Bank, 27 years

View Profile Feb 01 1997

Fsbt, Inc.

Fsbt, Inc. became a new parent organization for First State Bank Central Texas.

View Profile Dec 31 1996

The Citizens State Bank Of Lometa

Acquisition: First State Bank Central Texas acquired a new subsidiary, The Citizens State Bank Of Lometa, 29 years

View Profile Apr 01 1995

Want to see more?

Complete timeline for First State Bank Central Texas is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The First State Bank Seller 80,248 Acquisition Discontinued 6/9/2008
First National Bank Of Hamilton Seller 35,838 Acquisition Discontinued 10/14/2005
First National Bank Seller 20,620 Acquisition Discontinued 2/1/1997
The Citizens State Bank Of Lometa Seller 14,429 Acquisition Discontinued 4/1/1995
Salado National Bank Seller 17,942 Discontinued 10/1/1993
Relationships Role Relationship Start Relationship End
Central Community Corporation Parent 10/31/2008
Fsbt, Inc. Parent 12/31/1996 10/30/2008
Central Community Corporation Parent 1/15/1991 12/30/1996
Central Community Corporation Parent 12/17/1990 1/14/1991
Caldwell Bancshares, Inc. Parent 12/31/1984 6/30/1987
Caldwell Bancshares, Inc. Parent 12/31/1983 12/30/1984
Caldwell Bancshares, Inc. Parent 6/11/1982 12/30/1983
Similar Organizations
Organization City State Total Assets
Citywide Banks
 		Aurora CO 1.4B
First Bank & Trust
 		Brookings SD 1.3B
The Bank Of Castile
 		Castile NY 1.4B
Revere Bank
 		Laurel MD 1.3B
Traditional Bank, Inc.
 		Mount Sterling KY 1.3B
The Bank Of Missouri
 		Perryville MO 1.3B
Lakeside Bank
 		Chicago IL 1.4B
North Dallas Bank & Trust Co.
 		Dallas TX 1.4B
Carrollton Bank
 		Carrollton IL 1.4B
Monroe Bank & Trust
 		Monroe MI 1.3B