First State Bank of Uvalde
Uvalde, Texas · FDIC Cert #9978
First State Bank of Uvalde is an FDIC-insured bank (Certificate #9978) with $1.9B in total assets and $1.7B in total deposits as of the Q2 2024 Call Report. Headquartered in Uvalde, Texas, the bank maintains a Tier 1 capital ratio of 28.45% (Well-Capitalized) and a nonperforming loan ratio of 1.71%. BankHealthData assigns a composite Health Grade of A (87/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First State Bank of Uvalde (FDIC cert 9978) is a mid-sized bank with $1.9B in total assets and $1.7B in deposits, based in Uvalde, Texas. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 28.45% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.71% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 61.3% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 1.30% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. First State Bank of Uvalde carries a composite BankHealth grade of A (87/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First State Bank of Uvalde
- Total Assets
- $1.9B
- Total Deposits
- $1.7B
- Tier 1 Capital Ratio
- 28.45%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.71%
- Liquidity Ratio
- 61.26%
- Return on Assets
- 1.30%
- Headquarters
- Uvalde, Texas
- FDIC Certificate
- #9978
- Health Grade
- A (87/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First State Bank of Uvalde holds a Tier 1 capital ratio of 28.45%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First State Bank of Uvalde has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First State Bank of Uvalde shows strong financial health indicators. With $1.9B in assets and a Health Score of 87/100, 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.
How First State Bank of Uvalde Compares
First State Bank of Uvalde’s Health Score of 87 is 13 points above the Texas state average of 74 across 321 FDIC-insured banks. Its 28.45% Tier 1 capital ratio is 14.5 points above the US banking industry average near 14%. The 1.71% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.30% is in line with or above the national ROA benchmark of ~1.1%. Among 656 similarly-sized banks, the average Health Score is 72, meaning this bank ranks above its size cohort. Site-wide, First State Bank of Uvalde is 17 points above the portfolio average of 70.
Frequently Asked Questions
First State Bank of Uvalde has a Bank Health Score of A (87/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 28.45%, 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.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First State Bank of Uvalde's Tier 1 capital ratio of 28.45% and nonperforming loan ratio of 1.71% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First State Bank of Uvalde is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #9978). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First State Bank of Uvalde holds $1.9B in total assets and $1.7B in total deposits. It is headquartered in Uvalde, Texas (FDIC Certificate #9978).
First State Bank of Uvalde has a Tier 1 capital ratio of 28.45%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.71%, and the return on assets is 1.30%.
Yes. First State Bank of Uvalde is FDIC-insured (Certificate #9978). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First State Bank of Uvalde's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.