BauerFinancial Inc. of Coral Gables, Fla., has given its 4-Star Excellent rating to First State Bank Central Texas.

This marks the 22nd consecutive quarter the bank has earned a recommended rating from the firm.

“In these tough economic times, it is important to know there are financial institutions that are strong, secure, and ready and able to assist their communities,” said Karen L. Dorway, president of BauerFinancial. “First State Bank Central Texas is one such institution -- dedicated to getting Main Street back on its feet.

“Since it exhibits overall financial excellence in such areas as capital adequacy, delinquent loan levels and profitability, BauerFinancial is proud to bestow its 4-Star Excellent rating upon First State Bank Central Texas.”

Continued Ms. Dorway: “The unstable economic picture, both on Wall Street and on Main Street, makes it all the more important to recognize those financial institutions that are strong and stable.

“The institutions that played by the rules and did not compromise their lending standard are the same institutions that stand ready to help build the economy back up. First State Bank Central Texas is an excellent example of this community spirit.”

Established in 1909, First State Bank Central Texas now operates 31 offices and can be found on the Internet at www.fsbcentex.com.

BauerFinancial, the nation’s leading independent bank and credit union rating and research firm, has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. Consumers may obtain star ratings by visiting www.bauerfinancial. com.