FIRST NATIONAL BANK OF MERTZON, THE

MERTZON, TX | Small | Est. Jan. 1, 1910, midnight | FDIC #3339 | RSSD #500256 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF MERTZON, THE is asn small FDIC-insured commercial bank headquartered in MERTZON, TX, established in Jan. 1, 1910, midnight. As of 2025-12-31, the bank reported total assets of $487M and total deposits of $411M. Profitability stands at 1.61% ROA and 11.24% ROE, with a net interest margin of 3.65%. The bank's CET1 capital ratio is 90.37%, 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 #3339.

Assets

$487M

Deposits

$411M

Loans

$75M

Equity

$75M

Profitability

Return on Assets (ROA) 1.61%
Return on Equity (ROE) 11.24%
Net Interest Margin (NIM) 3.65%
Yield on Assets 4.18%
Cost of Funds 0.56%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 2.16%

Capital & Liquidity

CET1 Ratio 90.37%
Tier 1 Capital 90.37%
Total Capital Ratio 91.63%
Leverage Ratio 14.70%
Loan-to-Deposit 18.15%

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