BANK INTELLIGENCEFDIC · 051

First State Bank of Brownsboro

Name: First State Bank of Brownsboro quarterly financial data
Creator: FORFI
License: https://intelligence.forfi.ai/data-license/v1

Brownsboro, TX·RSSD 229454·FDIC 11181·bank:229454·CBLR opted in

FDIC 051 · Q2 2026Public source

Total assets

$139.86M

12.1%vs. same quarter last year

Gross loans & leases

$65.65M

3.2%vs. same quarter last year

Deposits / shares

$129.6M

8.7%vs. same quarter last year

Return on assets · quarter

1.27%

Quarterly FORFI estimate

THE DIRECTION OF TRAVEL

Performance over time

$139.86MQ2 2026·FDIC

First State Bank of Brownsboro

23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.

AT A GLANCE

Inside the balance sheet

Residential40.70%

Commercial Industrial17.51%

Consumer11.90%

Commercial Real Estate9.99%

Farmland9.72%

Agriculture3.65%

Other3.31%

Construction3.24%

FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.

WHAT CHANGED · Q2 2026

What stands out at First State Bank of Brownsboro

1 of 26 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.

Unrealized securities position improving faster than peersCapital 2nd quarter-43.8%peers -7.0%-36.7 pp

First State Bank of Brownsboro's unrealized securities gain or loss relative to Tier 1 capital rose 16.9 percentage points over the past year to -43.8%. Among 1222 similar banks, the median rose 2.9 percentage points.

This institution	Peer median	Difference
Unrealized securities gain or loss relative to Tier 1 capital
-43.8%	-7.0%	-36.7 pp
12-month change
+16.9 pp	+2.9 pp	+14.0 pp

FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. First State Bank of Brownsboro itself is left out of every peer median and percentile. How signals work

Where First State Bank of Brownsboro differs most from peers

Noninterest-bearing deposit share among the highest of similar banksFunding35.4%peers 21.6%+13.8 pp

First State Bank of Brownsboro's share of deposits that pay no interest was 35.4%, compared with a median of 21.6% among 1213 similar banks: higher than 89% of them.

This institution	Peer median	Difference
Share of deposits that pay no interest
35.4%	21.6%	+13.8 pp

Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. First State Bank of Brownsboro itself is left out of every peer median and percentile. How signals work

Loan-to-deposit ratio among the lowest of similar banksLiquidity50.7%peers 77.5%-26.9 pp

First State Bank of Brownsboro's loans as a share of deposits was 50.7%, compared with a median of 77.5% among 1213 similar banks: lower than 89% of them.

This institution	Peer median	Difference
Loans as a share of deposits
50.7%	77.5%	-26.9 pp

IN BRIEF

Key facts

First State Bank of Brownsboro is a bank headquartered in Brownsboro, Texas. It reported $140 million in total assets for the quarter ended June 30, 2026.
Deposits totaled $130 million, up 8.7% from a year earlier, and loans totaled $65.6 million, up 3.2%.
Its net interest margin was 3.88% and its annualized return on assets was 1.27% for the quarter.
Its cost of all deposits was 1.37%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.

Bank summary