BanksFIRST NATIONAL BANK OF MERTZON, THE

FIRST NATIONAL BANK OF MERTZON, THE

MERTZON, TXSmallEst. Jan. 1, 1910, midnightFDIC #3339RSSD #500256OCC
Latest · 2025-12-31

FIRST NATIONAL BANK OF MERTZON, THE is an 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%. CET1 capital ratio: 90.37%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 3 domestic branches.

Assets
$487M
Deposits
$411M
Loans
$75M
Equity
$75M

Profitability

Return on Assets (ROA)1.61%
Return on Equity (ROE)11.24%
Net Interest Margin3.65%
Yield on Assets4.18%
Cost of Funds0.56%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.02%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans2.16%

Capital & Liquidity

CET1 Ratio90.37%
Tier 1 Capital90.37%
Total Capital Ratio91.63%
Leverage Ratio14.70%
Loan-to-Deposit18.15%

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