FANNIN BANK

BONHAM, TX | Small | Est. April 22, 1925, midnight | FDIC #5589 | RSSD #377663 | FDIC
Latest Report: 2025-12-31

FANNIN BANK is asn small FDIC-insured commercial bank headquartered in BONHAM, TX, established in April 22, 1925, midnight. As of 2025-12-31, the bank reported total assets of $148M and total deposits of $138M. Profitability stands at 0.98% ROA and 16.06% ROE, with a net interest margin of 3.60%. The bank's CET1 capital ratio is 16.45%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.15% and a Texas Ratio of 1.07%. FDIC Certificate #5589. The institution operates 1 domestic branch.

Assets

$148M

Deposits

$138M

Loans

$78M

Equity

$9M

Profitability

Return on Assets (ROA) 0.98%
Return on Equity (ROE) 16.06%
Net Interest Margin (NIM) 3.60%
Yield on Assets 5.86%
Cost of Funds 2.24%

Asset Quality

NPL Ratio 0.15%
Net Charge-Off Ratio -0.04%
Texas Ratio 1.07%
NPA Ratio 0.08%
ACL / Loans 1.81%

Capital & Liquidity

CET1 Ratio 16.45%
Tier 1 Capital 16.45%
Total Capital Ratio 17.70%
Leverage Ratio 8.64%
Loan-to-Deposit 56.98%

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