FIRST NATIONAL BANK OF ASPERMONT, THE

ASPERMONT, TX | Small | Est. April 21, 1901, midnight | FDIC #3079 | RSSD #138257 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF ASPERMONT, THE is asn small FDIC-insured commercial bank headquartered in ASPERMONT, TX, established in April 21, 1901, midnight. As of 2025-12-31, the bank reported total assets of $137M and total deposits of $131M. Profitability stands at 1.10% ROA and 29.54% ROE, with a net interest margin of 2.89%. The bank's CET1 capital ratio is 3.58%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 0.36% and a Texas Ratio of 2.68%. FDIC Certificate #3079.

Assets

$137M

Deposits

$131M

Loans

$45M

Equity

$5M

Profitability

Return on Assets (ROA) 1.10%
Return on Equity (ROE) 29.54%
Net Interest Margin (NIM) 2.89%
Yield on Assets 4.42%
Cost of Funds 1.47%

Asset Quality

NPL Ratio 0.36%
Net Charge-Off Ratio 0.00%
Texas Ratio 2.68%
NPA Ratio 0.12%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 3.58%
Tier 1 Capital 3.58%
Total Capital Ratio 3.76%
Leverage Ratio 8.75%
Loan-to-Deposit 33.98%

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