Is First State Bank of Odem Safe?
First State Bank of Odem has a Bank Health Score of 97/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (90/100).
This page answers a common banking-safety question: Is First State Bank of Odem Safe?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 28.40% | 100/100 |
| Nonperforming Loan Ratio | 0.52% | 90/100 |
| Liquidity Ratio | 45.75% | 100/100 |
| Return on Assets | 3.20% | 100/100 |
| Total Assets | $0.2B | |
How does First State Bank of Odem compare?
With a Bank Health Score of 97/100, First State Bank of Odem sits 27.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, First State Bank of Odem ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 28.40% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.52% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First State Bank of Odem's Bank Health Score improved by 32.0 points to 97/100. Tier 1 capital strengthened by 28.40 percentage points to 28.40%. Quarter-over-quarter, the score fell by 3.0 points.
First State Bank of Odem has a Bank Health Score of 97/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (90/100).