First State Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Since 1917, First State Bank has been serving the Texas Panhandle with the best customer service available. First State Bank is locally owned and its loan decisions are made right here at home. Located in the heart of downtown Spearman, Texas, First State Bank meets the needs of the citizens of Hansford County and the surrounding communities. First State Bank offers the services of a modern financial institution while maintaining the integrity and personalized service of a community bank.

First State Bank is located at One Northeast Court in Spearman with the main entrance facing the Hansford County Courthouse. Drive-up banking lanes are on the northeast side of the bank with entry from Endicott Street. ATM is located on the far right lane of the drive-up facility. Financial services include loan and deposit accounts at competitive rates, Internet Banking, and telephone banking. First State Bank is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking.

First State Bank
One N.E. Court
P.O. Box 247
Spearman, TX 79081
Phone: (806)659-5565
Fax: (806) 659-5292