First Stb of Brownsboro
Brownsboro, Texas · FDIC Cert #11181
This is the FDIC profile for First Stb of Brownsboro, an FDIC-insured bank (Certificate #11181) with $125M in total assets and $120M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Brownsboro, Texas, the bank maintains a Tier 1 capital ratio of 10.62% (Well-Capitalized) and a nonperforming loan ratio of 0.51%. BankHealthData assigns a composite Health Grade of A (80/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Stb of Brownsboro (FDIC cert 11181) is a community bank — $125M in total assets, $120M in deposits, serving the Brownsboro, Texas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 10.62% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.51% 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: 48.6% 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 0.81% 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 essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. First Stb of Brownsboro carries a composite BankHealth grade of A (80/100) 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 Stb of Brownsboro
- Total Assets
- $125M
- Total Deposits
- $120M
- Tier 1 Capital Ratio
- 10.62%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.51%
- Liquidity Ratio
- 48.59%
- Return on Assets
- 0.81%
- Headquarters
- Brownsboro, Texas
- FDIC Certificate
- #11181
- Health Grade
- A (80/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
First Stb of Brownsboro files quarterly Call Reports with the FDIC under Certificate #11181. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, First Stb of Brownsboro holds a Tier 1 capital ratio of 10.62%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Stb of Brownsboro has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Stb of Brownsboro shows strong financial health indicators. With $125M in assets and a Health Score of 80/100, 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 Stb of Brownsboro Compares
First Stb of Brownsboro’s Health Score of 80 is 5 points below the Texas state average of 85 across 321 FDIC-insured banks. Its 10.62% Tier 1 capital ratio is 3.4 points below the US banking industry average near 14%. The 0.51% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.81% is below the national ROA benchmark of ~1.1%. Among 1248 similarly-sized banks, the average Health Score is 82, meaning this bank ranks below its size cohort.
Frequently Asked Questions
First Stb of Brownsboro has a Bank Health Score of A (80/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 10.62%, 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 Stb of Brownsboro's Tier 1 capital ratio of 10.62% and nonperforming loan ratio of 0.51% 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 Stb of Brownsboro is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #11181). 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 Stb of Brownsboro holds $125M in total assets and $120M in total deposits. It is headquartered in Brownsboro, Texas (FDIC Certificate #11181).
First Stb of Brownsboro's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #11181 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
First Stb of Brownsboro has a Tier 1 capital ratio of 10.62%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.51%, and the return on assets is 0.81%.
Yes. First Stb of Brownsboro is FDIC-insured (Certificate #11181). 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 Stb of Brownsboro'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.