BanksFIRST NATIONAL BANK OF SONORA, THE

FIRST NATIONAL BANK OF SONORA, THE

SONORA, TXMediumEst. Jan. 1, 1900, midnightFDIC #5531RSSD #591366OCC
Latest · 2025-12-31

FIRST NATIONAL BANK OF SONORA, THE is an FDIC-insured commercial bank headquartered in SONORA, TX, established in Jan. 1, 1900, midnight. As of 2025-12-31, the bank reported total assets of $684M and total deposits of $622M. Profitability stands at 0.82% ROA and 10.76% ROE, with a net interest margin of 4.51%. CET1 capital ratio: 10.53%, well above regulatory minimums. NPL ratio: 1.57% · Texas Ratio: 24.36%. Operates 9 domestic branches.

Assets
$684M
Deposits
$622M
Loans
$465M
Equity
$53M

Profitability

Return on Assets (ROA)0.82%
Return on Equity (ROE)10.76%
Net Interest Margin4.51%
Yield on Assets6.49%
Cost of Funds1.99%

Asset Quality

NPL Ratio1.57%
Net Charge-Off Ratio0.17%
Texas Ratio24.36%
NPA Ratio2.04%
ACL / Loans0.94%

Capital & Liquidity

CET1 Ratio10.53%
Tier 1 Capital10.53%
Total Capital Ratio11.38%
Leverage Ratio8.14%
Loan-to-Deposit74.69%

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