BanksFIRST BANK AND TRUST OF MEMPHIS

FIRST BANK AND TRUST OF MEMPHIS

MEMPHIS, TXSmallEst. March 1, 1898, midnightFDIC #3335RSSD #373553FDIC
Latest · 2025-12-31

FIRST BANK AND TRUST OF MEMPHIS is an FDIC-insured commercial bank headquartered in MEMPHIS, TX, established in March 1, 1898, midnight. As of 2025-12-31, the bank reported total assets of $134M and total deposits of $109M. Profitability stands at 2.28% ROA and 12.73% ROE, with a net interest margin of 4.55%. CET1 capital ratio: 32.24%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 2 domestic branches.

Assets
$134M
Deposits
$109M
Loans
$56M
Equity
$25M

Profitability

Return on Assets (ROA)2.28%
Return on Equity (ROE)12.73%
Net Interest Margin4.55%
Yield on Assets5.90%
Cost of Funds1.52%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.01%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans0.85%

Capital & Liquidity

CET1 Ratio32.24%
Tier 1 Capital32.24%
Total Capital Ratio32.97%
Leverage Ratio15.44%
Loan-to-Deposit51.53%

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