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BDI
FS

First State Bank

Junction, TexasFDIC Cert #16643

STATEEstablished 19471 branch

Holding company: KIMBLE COUNTY BANCSHARES INCRegulator: FED

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.70%
−39.2%y/y
Peer standing49th percentile
Peer standing in asset:lt_100m
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in asset:lt_100m
FDICP9ASSET + LNLSGR
Nonaccrual %
0.22%
−89.8%y/y
Peer standing48th percentile
Peer standing in asset:lt_100m
FDICNAASSET + LNLSGR
Noncurrent %
0.22%
−89.8%y/y
Peer standing58th percentile
Peer standing in asset:lt_100m
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.07%
−90.8%y/y
Peer standing58th percentile
Peer standing in asset:lt_100m
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$45K
−90.1%y/y
Peer standing57th percentile
Peer standing in asset:lt_100m
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.44%
−32.3%y/y
Peer standing7th percentile
Peer standing in asset:lt_100m
FDICNTLNLS + LNLSGR
NCO
$23K
−34.3%y/y
Peer standing8th percentile
Peer standing in asset:lt_100m
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
2.36%
+6.2%y/y
Percentile by value89th percentileby value
Peer standing in asset:lt_100m
FDICLNATRES + LNLSGR
30–89
$145K
−40.8%y/y
Peer standing50th percentile
Peer standing in asset:lt_100m
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in asset:lt_100m
FDICP9ASSET
Nonaccrual
$45K
−90.1%y/y
Peer standing46th percentile
Peer standing in asset:lt_100m
FDICNAASSET