BanksFIRST NATIONAL BANK

FIRST NATIONAL BANK

ROTAN, TXMicroEst. April 1, 1997, midnightFDIC #34455RSSD #2490285OCC
Latest · 2025-12-31

FIRST NATIONAL BANK is an FDIC-insured commercial bank headquartered in ROTAN, TX, established in April 1, 1997, midnight. As of 2025-12-31, the bank reported total assets of $94M and total deposits of $88M. Profitability stands at 0.35% ROA and 6.27% ROE, with a net interest margin of 2.89%. CET1 capital ratio: 20.14%, well above regulatory minimums. NPL ratio: 2.14% · Texas Ratio: 13.99%. Operates 1 domestic branch.

Assets
$94M
Deposits
$88M
Loans
$41M
Equity
$5M

Profitability

Return on Assets (ROA)0.35%
Return on Equity (ROE)6.27%
Net Interest Margin2.89%
Yield on Assets4.77%
Cost of Funds1.84%

Asset Quality

NPL Ratio2.14%
Net Charge-Off Ratio-0.18%
Texas Ratio13.99%
NPA Ratio0.94%
ACL / Loans2.10%

Capital & Liquidity

CET1 Ratio20.14%
Tier 1 Capital20.14%
Total Capital Ratio21.40%
Leverage Ratio9.81%
Loan-to-Deposit46.89%

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