STATE NATIONAL BANK OF BIG SPRING, THE

BIG SPRING, TX | Medium | Est. March 1, 1909, midnight | FDIC #3103 | RSSD #169354 | OCC
Latest Report: 2025-12-31

STATE NATIONAL BANK OF BIG SPRING, THE is amn medium FDIC-insured commercial bank headquartered in BIG SPRING, TX, established in March 1, 1909, midnight. As of 2025-12-31, the bank reported total assets of $624M and total deposits of $561M. Profitability stands at 1.92% ROA and 19.59% ROE, with a net interest margin of 2.97%. The bank's CET1 capital ratio is 9.88%. Asset quality metrics show a non-performing loan ratio of 1.32% and a Texas Ratio of 2.02%. FDIC Certificate #3103.

Assets

$624M

Deposits

$561M

Loans

$100M

Equity

$62M

Profitability

Return on Assets (ROA) 1.92%
Return on Equity (ROE) 19.59%
Net Interest Margin (NIM) 2.97%
Yield on Assets 3.98%
Cost of Funds 1.03%

Asset Quality

NPL Ratio 1.32%
Net Charge-Off Ratio 0.01%
Texas Ratio 2.02%
NPA Ratio 0.21%
ACL / Loans 3.19%

Capital & Liquidity

CET1 Ratio 9.88%
Tier 1 Capital 9.88%
Total Capital Ratio 10.38%
Leverage Ratio 10.57%
Loan-to-Deposit 17.76%

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