FIRST TEXAS NATIONAL BANK

FLOYDADA, TX | Small | Est. Jan. 1, 1890, midnight | FDIC #3197 | RSSD #393252 | OCC
Latest Report: 2025-12-31

FIRST TEXAS NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in FLOYDADA, TX, established in Jan. 1, 1890, midnight. As of 2025-12-31, the bank reported total assets of $202M and total deposits of $181M. Profitability stands at 2.35% ROA and 23.87% ROE, with a net interest margin of 4.93%. The bank's CET1 capital ratio is 9.48%. Asset quality metrics show a non-performing loan ratio of 0.44% and a Texas Ratio of 3.42%. FDIC Certificate #3197.

Assets

$202M

Deposits

$181M

Loans

$160M

Equity

$19M

Profitability

Return on Assets (ROA) 2.35%
Return on Equity (ROE) 23.87%
Net Interest Margin (NIM) 4.93%
Yield on Assets 7.14%
Cost of Funds 2.27%

Asset Quality

NPL Ratio 0.44%
Net Charge-Off Ratio 0.00%
Texas Ratio 3.42%
NPA Ratio 0.35%
ACL / Loans 0.96%

Capital & Liquidity

CET1 Ratio 9.48%
Tier 1 Capital 9.48%
Total Capital Ratio 9.96%
Leverage Ratio 9.22%
Loan-to-Deposit 87.99%

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