FIRST NATIONAL BANK OF BALLINGER, THE

BALLINGER, TX | Small | Est. June 29, 1886, midnight | FDIC #3087 | RSSD #160454 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF BALLINGER, THE is asn small FDIC-insured commercial bank headquartered in BALLINGER, TX, established in June 29, 1886, midnight. As of 2025-12-31, the bank reported total assets of $274M and total deposits of $245M. Profitability stands at 1.71% ROA and 16.99% ROE, with a net interest margin of 4.16%. The bank's CET1 capital ratio is 17.50%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.04% and a Texas Ratio of 0.21%. FDIC Certificate #3087.

Assets

$274M

Deposits

$245M

Loans

$150M

Equity

$28M

Profitability

Return on Assets (ROA) 1.71%
Return on Equity (ROE) 16.99%
Net Interest Margin (NIM) 4.16%
Yield on Assets 5.79%
Cost of Funds 1.69%

Asset Quality

NPL Ratio 0.04%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.21%
NPA Ratio 0.02%
ACL / Loans 2.13%

Capital & Liquidity

CET1 Ratio 17.50%
Tier 1 Capital 17.50%
Total Capital Ratio 18.76%
Leverage Ratio 10.64%
Loan-to-Deposit 61.16%

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