FIRST NATIONAL BANK OF TOM BEAN, THE

TOM BEAN, TX | Small | Est. Sept. 22, 1906, midnight | FDIC #5557 | RSSD #193162 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF TOM BEAN, THE is asn small FDIC-insured commercial bank headquartered in TOM BEAN, TX, established in Sept. 22, 1906, midnight. As of 2025-12-31, the bank reported total assets of $150M and total deposits of $131M. Profitability stands at 3.08% ROA and 26.26% ROE, with a net interest margin of 6.47%. The bank's CET1 capital ratio is 17.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.02% and a Texas Ratio of 6.51%. FDIC Certificate #5557.

Assets

$150M

Deposits

$131M

Loans

$120M

Equity

$18M

Profitability

Return on Assets (ROA) 3.08%
Return on Equity (ROE) 26.26%
Net Interest Margin (NIM) 6.47%
Yield on Assets 8.76%
Cost of Funds 2.41%

Asset Quality

NPL Ratio 1.02%
Net Charge-Off Ratio 0.22%
Texas Ratio 6.51%
NPA Ratio 0.88%
ACL / Loans 1.69%

Capital & Liquidity

CET1 Ratio 17.44%
Tier 1 Capital 17.44%
Total Capital Ratio 18.70%
Leverage Ratio 12.11%
Loan-to-Deposit 91.83%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required