Bank · FDIC insured
The First State Bank
A $895.2M bank headquartered in Louise, TX, with 14 branches in Texas. Best rates: CDs 3.29% and savings 0.50% APY.
The First State Bank Carrot Score
65
Carrot Score
Higher than 15% of U.S. banks and credit unions
#90 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About The First State Bank
- Headquarters
- 206 North St., Louise, TX 77455
- FDIC certificate
- 17588 ↗
Branches
14 branches in Texas
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Texas
14 branches
El Campo area · 3
- The First State BankMain office206 North St., Louise, TX 77455Directions
- El Campo Branch1808 West Loop, El Campo, TX 77437Directions
- Wharton Branch505 E Boling Hwy, Wharton, TX 77488Directions
Houston area · 3
- Angleton Branch2904 N Velasco St, Angleton, TX 77515Directions
- Sugar Land Branch200 Century Square Blvd, Sugar Land, TX 77478Directions
- Sweeny Branch208 Second Street, Sweeny, TX 77480Directions
Bay City area · 2
- Bay City Branch3600 7th St, Bay City, TX 77414Directions
- Blessing BranchAve B & 10th St, Blessing, TX 77419Directions
Dilley area · 1
- Dilley State Bank Branch731 W Leona St, Dilley, TX 78017Directions
Ganado area · 1
- Ganado Branch101 E York St, Ganado, TX 77962Directions
Refugio area · 1
- Refugio Branch403 S Alamo St, Refugio, TX 78377Directions
Shiner area · 1
- Shiner Branch803 N Avenue E, Shiner, TX 77984Directions
Victoria area · 1
- Victoria Branch4805 John Stockbauer Dr, Victoria, TX 77904Directions
Woodsboro area · 1
- Woodsboro Branch320 First St, Woodsboro, TX 78393Directions
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 | 10.58% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.16% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.44% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $81 | $81 | — |
- CapitalLeverage ratio10.58%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.16%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.44%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$81Peers’ 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 The 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.