🏦Bank Scorer

FIRST STATE BANK

GRAHAM, TX · Supervised by FDIC

Est. 1983FDIC #24,498RSSD: FDIC-24498
Part ofWOODSON BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2025

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.39%

Institution Profile

FDIC BankFind

Address

1526 4th St, GRAHAM, TX

County

Young County

Established

May 26, 1983

Total Assets

$303M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$303M

Total Deposits

$270M

Net Loans

$170M

Net Income

$1M

ROA

1.39%

ROE

16.14%

Risk-Based Capital

18.67%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$254M

1-Year Change

0

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1990

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/b261a9ae-af0d-4f6c-af8f-cfbe76b45619"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: