FIRST NATIONAL BANK OF HUNTSVILLE

HUNTSVILLE, TX | Medium | Est. Jan. 1, 1890, midnight | FDIC #3269 | RSSD #583352 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF HUNTSVILLE is amn medium FDIC-insured commercial bank headquartered in HUNTSVILLE, TX, established in Jan. 1, 1890, midnight. As of 2025-12-31, the bank reported total assets of $589M and total deposits of $509M. Profitability stands at 1.85% ROA and 13.70% ROE, with a net interest margin of 4.55%. The bank's CET1 capital ratio is 11.39%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.06% and a Texas Ratio of 0.29%. FDIC Certificate #3269.

Assets

$589M

Deposits

$509M

Loans

$334M

Equity

$76M

Profitability

Return on Assets (ROA) 1.85%
Return on Equity (ROE) 13.70%
Net Interest Margin (NIM) 4.55%
Yield on Assets 5.71%
Cost of Funds 1.24%

Asset Quality

NPL Ratio 0.06%
Net Charge-Off Ratio 0.06%
Texas Ratio 0.29%
NPA Ratio 0.04%
ACL / Loans 2.01%

Capital & Liquidity

CET1 Ratio 11.39%
Tier 1 Capital 11.39%
Total Capital Ratio 11.96%
Leverage Ratio 12.67%
Loan-to-Deposit 65.51%

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