BanksFIRST NATIONAL BANK OF HUNTSVILLE

FIRST NATIONAL BANK OF HUNTSVILLE

HUNTSVILLE, TXMediumEst. Jan. 1, 1890, midnightFDIC #3269RSSD #583352OCC
Latest · 2025-12-31

FIRST NATIONAL BANK OF HUNTSVILLE is an 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%. CET1 capital ratio: 12.17%, well above regulatory minimums. NPL ratio: 0.06% · Texas Ratio: 0.29%. Operates 5 domestic branches.

Assets
$589M
Deposits
$509M
Loans
$334M
Equity
$76M

Profitability

Return on Assets (ROA)1.85%
Return on Equity (ROE)13.70%
Net Interest Margin4.55%
Yield on Assets5.71%
Cost of Funds1.24%

Asset Quality

NPL Ratio0.06%
Net Charge-Off Ratio0.06%
Texas Ratio0.29%
NPA Ratio0.04%
ACL / Loans2.01%

Capital & Liquidity

CET1 Ratio12.17%
Tier 1 Capital12.17%
Total Capital Ratio12.78%
Leverage Ratio12.67%
Loan-to-Deposit65.51%

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