FIRST STATE BANCSHARES INC is the bank holding company. FIRST STATE COMMUNITY BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

FHD

FIRST STATE BANCSHARES INC

Legal name: FIRST STATE BANCSHARES, INC.

1 active bank · 3 merged/absorbed · $4.5B combined assets

RSSD ID: 1099917 (FFIEC NIC)

Combined Assets

$4.5B

CRA Rating Summary

Outstanding1charter

Across all 23 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFIRST STATE COMMUNITY BANKFARMINGTON, MOOutstanding$4.5BView profile →

At a Glance

Dominant CRA Rating

Outstanding

1 of 1 bank · Exceeds expectations for community lending

Combined Assets

$4.5B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$3.8B

Net Income

$19M

ROA (avg)

1.73%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

2,502

Origination Rate

64.19%

Denial Rate

14.31%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FIRST STATE COMMUNITY BANK	FARMINGTON, MO	FDIC	$4.5B	100.0%	Outstanding	Jun 2023

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.