First State Bank of Uvalde

Headquarters

200 East Nopal Street
Uvalde, TX 78801
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.08% 0.85% →
1-Year CD 0.25% 0.80% →
2-Year CD 0.30% 0.80% →
5-Year CD 0.45% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

First State Bank of Uvalde is an FDIC insured institution located in Uvalde, TX. It was founded in 1907 and has approximately $1.96 billion in assets. Customers can open an account at one of its 8 branches.

FDIC Insured Yes
FDIC Certificate # 9978
Date Established 1907
Assets $ 1,961.91 million
Loans $ 455.51 million
Deposits $ 1,758.92 million
Capital $ 196.04 million
 

For a more detailed analysis of First State Bank of Uvalde's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 23, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.08% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.15% $10,000 $14,999 Learn More
6 Mo CD
0.15% $100,000 $199,999 Learn More
12 Mo CD
0.25% $10,000 $14,999 Learn More
12 Mo CD
0.25% $100,000 $199,999 Learn More
18 Mo CD
0.30% $10,000 $14,999 Learn More
18 Mo CD
0.30% $100,000 $199,999 Learn More
24 Mo CD
0.30% $10,000 $14,999 Learn More
24 Mo CD
0.30% $100,000 $199,999 Learn More
30 Mo CD
0.35% $10,000 $14,999 Learn More
30 Mo CD
0.35% $100,000 $199,999 Learn More
36 Mo CD
0.35% $10,000 $14,999 Learn More
36 Mo CD
0.35% $100,000 $199,999 Learn More
48 Mo CD
0.40% $10,000 $14,999 Learn More
48 Mo CD
0.40% $100,000 $199,999 Learn More
60 Mo CD
0.45% $10,000 $14,999 Learn More
60 Mo CD
0.45% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.08% $2,500 $3,499 Learn MoreShow Less
 

Loan Rates - September 23, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First State Bank of Uvalde

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Payment
Learn More
Morty, Inc.
NMLS ID: 1429243
2.654% 2.625%
0.38 points
$960 fees
$1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to First State Bank of Uvalde
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

First State Bank of Uvalde branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


First State Bank of Uvalde Locations


Financial Details

First State Bank of Uvalde Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First State Bank of Uvalde. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First State Bank of Uvalde U.S. Bank Average
0.67% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, First State Bank of Uvalde had $1,295,000 in non-current loans and $61,000 in owned real estate. To cover these potential losses it had $196,044,000 in equity and $6,417,000 in loans loss reserves. That gives it a Texas Ratio of 0.67%.

Return on Equity
First State Bank of Uvalde U.S. Bank Average
7.48% 11.43%

First State Bank of Uvalde has a Return on Equity of 7.48% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First State Bank of Uvalde U.S. Bank Average
9.99% 11.51%

First State Bank of Uvalde has a Capitalization of 9.99% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First State Bank of Uvalde Balance Sheet Analysis

As of March 31, 2021, First State Bank of Uvalde had assets of $1,961,908,000, loans of $455,506,000, and deposits of $1,758,917,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
ASSETS
Cash & Balances due from depository institutions $ 459.38 million
Interest-bearing balances $ 440.50 million
Total securities $ 1,020.39 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 455.51 million
Loan loss allowance $ 6.42 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.06 million
Goodwill and other intangibles $ 1.50 million
All other assets $ 21.19 million
     Total Assets $ 1,765.86 million
LIABILITIES
Total deposits $ 1,758.92 million
      Interest-bearing deposits $ 1,471.04 million
      Deposits held in domestic offices $ 1,758.92 million
      % insured (estimated) 41.19%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 6.95 million
      Total Liabilities $ 1,765.86 million
      Shareholders’ Equity $ 196.04 million

Summary Income Statement

March 31, 2021
INCOME AND EXPENSES
Total Interest Income $ 8.72 million
Total Interest Expense $ 0.99 million
Net interest income $ 7.73 million
Provision for loan and lease losses $ 0.30 million
Total non interest income $ 1.05 million
Total non interest expense $ 4.06 million
Pre-tax Net Operating Income $ 4.42 million

Bank Loan Profile?

The top three loan types in First State Bank of Uvalde’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, First State Bank of Uvalde’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 22.61
Multifamily
Mortgages
1.58
Credit Card Loans 0.00
Consumer Auto Loans 0.83
Small Business Loans 0.00
Construction and Development Loans 11.99
Commercial Real Estate 38.07
Commercial and Industrial Loans 13.76
Farm Loans 4.03

Frequently Asked Questions About First State Bank Of Uvalde

Branches and Savings

Is First State Bank Of Uvalde FDIC insured?

Yes. It is covered under FDIC Certificate #9978.

Why does First State Bank Of Uvalde pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First State Bank Of Uvalde CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First State Bank Of Uvalde a commercial bank?

Yes

Where are First State Bank Of Uvalde locations?

See branch locations nearby.

Is First State Bank Of Uvalde open on Saturdays?

Is First State Bank Of Uvalde open on Sundays?

What time does First State Bank Of Uvalde open?

What time does First State Bank Of Uvalde close?

Are First State Bank Of Uvalde ATMs Open 24/7?

Do First State Bank Of Uvalde ATMs accept cash deposits?

Can First State Bank Of Uvalde customers use other ATMs?

Do First State Bank Of Uvalde branches have notaries?

Will First State Bank Of Uvalde notarize my document?

What address for First State Bank Of Uvalde should I put for incoming ACH transfers?

Will the First State Bank Of Uvalde branch print checks?

Do First State Bank Of Uvalde checks expire?

Does First State Bank Of Uvalde require US citizenship to open account?

Can First State Bank Of Uvalde close my account?

Does First State Bank Of Uvalde Report to credit bureaus?

Does First State Bank Of Uvalde Use Equifax?

What is First State Bank Of Uvalde's ACH Routing Number?

What is First State Bank Of Uvalde's SWIFT code?

Products

Does First State Bank Of Uvalde offer mortgages?

Compare mortgage rates here.

Does First State Bank Of Uvalde offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First State Bank Of Uvalde offer personal loans?

Compare personal loan rates here.

Does First State Bank Of Uvalde offer student loans?

Will First State Bank Of Uvalde cash a check?

Will First State Bank Of Uvalde redeem a savings bond?

Does First State Bank Of Uvalde cash savings bonds?

Will First State Bank Of Uvalde cash money orders?

Can First State Bank Of Uvalde issue a money order?

Does First State Bank Of Uvalde do currency exchange?

Background on The Bank

Who owns First State Bank Of Uvalde?

How long has First State Bank Of Uvalde been around?

Can First State Bank Of Uvalde transfer to other banks?

Does First State Bank Of Uvalde have quick pay?

Does First State Bank Of Uvalde accept rolled coins?

Will First State Bank Of Uvalde accept loose change?

Where is First State Bank Of Uvalde headquarters?

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