BanksFANNIN BANK

FANNIN BANK

BONHAM, TXSmallEst. April 22, 1925, midnightFDIC #5589RSSD #377663FDIC
Latest · 2025-12-31

FANNIN BANK is an 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%. CET1 capital ratio: 16.45%, well above regulatory minimums. NPL ratio: 0.15% · Texas Ratio: 1.07%. Operates 2 domestic branches.

Assets
$148M
Deposits
$138M
Loans
$78M
Equity
$9M

Profitability

Return on Assets (ROA)0.98%
Return on Equity (ROE)16.06%
Net Interest Margin3.60%
Yield on Assets5.86%
Cost of Funds2.24%

Asset Quality

NPL Ratio0.15%
Net Charge-Off Ratio-0.04%
Texas Ratio1.07%
NPA Ratio0.08%
ACL / Loans1.81%

Capital & Liquidity

CET1 Ratio16.45%
Tier 1 Capital16.45%
Total Capital Ratio17.70%
Leverage Ratio8.64%
Loan-to-Deposit56.98%

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