Bank · FDIC insured
First State Bank
A $308.8M bank headquartered in Graham, TX, with 7 branches in Texas. Best rates: CDs 4.07% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs894.07%for 3–8 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First State Bank
Chartered in 1983, First State Bank opened in Woodson, Texas, and established its main bank in Graham, Texas in 1991.
The bank operates seven banking facilities across Texas communities including Graham, Woodson, Throckmorton, Olney, Archer City, and Jacksboro.
- Headquarters
- 1526 4th St, Graham, TX 76450
- FDIC certificate
- 24498 ↗
Branches
7 branches in Texas
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Texas
7 branches
Graham area · 2
- First State BankMain office1526 4th St, Graham, TX 76450Directions
- Graham Branch1300 State Highway 16 S, Graham, TX 76450Directions
Wichita Falls area · 1
- First State Bank201 South Center Street, Archer City, TX 76351Directions
Jacksboro area · 1
- Jacksboro Branch1220 N Main St, Jacksboro, TX 76458Directions
Olney area · 1
- Olney Branch106 State Highway 79 N, Olney, TX 76374Directions
Throckmorton area · 1
- Throckmorton Branch147 N Minter Ave, Throckmorton, TX 76483Directions
Woodson area · 1
- Highway 183 Branch101 Ushwy 183 South, Woodson, TX 76491Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.08% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.52% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $61 | $81 | — |
- CapitalLeverage ratio10.08%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.52%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$61Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.