None

| Micro | Est. Sept. 1, 1904, midnight | FDIC #10057 | RSSD #37 | FDIC
Latest Report: 2025-12-31

None is amn micro FDIC-insured commercial bank , established in Sept. 1, 1904, midnight. As of 2025-12-31, the bank reported total assets of $86M and total deposits of $72M. Profitability stands at 1.22% ROA and 7.62% ROE, with a net interest margin of 3.69%. The bank's CET1 capital ratio is 15.84%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.27% and a Texas Ratio of 0.37%. FDIC Certificate #10057. The institution operates 1 domestic branch.

Assets

$86M

Deposits

$72M

Loans

$19M

Equity

$14M

Profitability

Return on Assets (ROA) 1.22%
Return on Equity (ROE) 7.62%
Net Interest Margin (NIM) 3.69%
Yield on Assets 4.78%
Cost of Funds 1.59%

Asset Quality

NPL Ratio 0.27%
Net Charge-Off Ratio 0.13%
Texas Ratio 0.37%
NPA Ratio 0.06%
ACL / Loans 3.57%

Capital & Liquidity

CET1 Ratio 15.84%
Tier 1 Capital 15.84%
Total Capital Ratio 16.63%
Leverage Ratio 20.01%
Loan-to-Deposit 26.93%

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