FIRST NATIONAL BANK OF STERLING CITY, THE

STERLING CITY, TX | Small | Est. Aug. 2, 1910, midnight | FDIC #5538 | RSSD #411062 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF STERLING CITY, THE is asn small FDIC-insured commercial bank headquartered in STERLING CITY, TX, established in Aug. 2, 1910, midnight. As of 2025-12-31, the bank reported total assets of $245M and total deposits of $224M. Profitability stands at 1.47% ROA and 17.35% ROE, with a net interest margin of 3.04%. The bank's CET1 capital ratio is 39.17%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #5538.

Assets

$245M

Deposits

$224M

Loans

$41M

Equity

$21M

Profitability

Return on Assets (ROA) 1.47%
Return on Equity (ROE) 17.35%
Net Interest Margin (NIM) 3.04%
Yield on Assets 3.73%
Cost of Funds 0.70%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 39.17%
Tier 1 Capital 39.17%
Total Capital Ratio 39.82%
Leverage Ratio 11.56%
Loan-to-Deposit 18.34%

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