FIRST STATE BANK OF ODEM
ODEM, TEXAS · FDIC Cert #16334
Capital & Safety Analysis
According to FDIC financial data, FIRST STATE BANK OF ODEM holds a Tier 1 capital ratio of 28.40%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning FIRST STATE BANK OF ODEM has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
FIRST STATE BANK OF ODEM shows strong financial health indicators. With $195M in assets and a Health Score of 97/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FIRST STATE BANK OF ODEM has a Bank Health Score of A (97/100). It holds a Tier 1 capital ratio of 28.40%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FIRST STATE BANK OF ODEM holds $195M in total assets and $165M in total deposits. It is located in ODEM, TEXAS (FDIC Certificate #16334).
FIRST STATE BANK OF ODEM has a Tier 1 capital ratio of 28.40%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.52%, and the return on assets is 3.20%.
Yes. FIRST STATE BANK OF ODEM is FDIC-insured (Certificate #16334). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.