FIRST NATIONAL BANK OF BOSQUE COUNTY

VALLEY MILLS, TX | Small | Est. Aug. 1, 1908, midnight | FDIC #5564 | RSSD #198961 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF BOSQUE COUNTY is asn small FDIC-insured commercial bank headquartered in VALLEY MILLS, TX, established in Aug. 1, 1908, midnight. As of 2025-12-31, the bank reported total assets of $189M and total deposits of $166M. Profitability stands at 2.07% ROA and 17.67% ROE, with a net interest margin of 4.66%. The bank's CET1 capital ratio is 17.34%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.44% and a Texas Ratio of 2.52%. FDIC Certificate #5564.

Assets

$189M

Deposits

$166M

Loans

$137M

Equity

$22M

Profitability

Return on Assets (ROA) 2.07%
Return on Equity (ROE) 17.67%
Net Interest Margin (NIM) 4.66%
Yield on Assets 5.63%
Cost of Funds 1.01%

Asset Quality

NPL Ratio 0.44%
Net Charge-Off Ratio 0.05%
Texas Ratio 2.52%
NPA Ratio 0.32%
ACL / Loans 1.30%

Capital & Liquidity

CET1 Ratio 17.34%
Tier 1 Capital 17.34%
Total Capital Ratio 18.59%
Leverage Ratio 11.71%
Loan-to-Deposit 82.79%

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