FIRST NATIONAL BANK OF DUBLIN

DUBLIN, TX | Small | Est. May 7, 1985, midnight | FDIC #26228 | RSSD #648550 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF DUBLIN is asn small FDIC-insured commercial bank headquartered in DUBLIN, TX, established in May 7, 1985, midnight. As of 2025-12-31, the bank reported total assets of $133M and total deposits of $117M. Profitability stands at 1.82% ROA and 15.17% ROE, with a net interest margin of 6.04%. The bank's CET1 capital ratio is 16.69%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.16% and a Texas Ratio of 0.82%. FDIC Certificate #26228.

Assets

$133M

Deposits

$117M

Loans

$94M

Equity

$16M

Profitability

Return on Assets (ROA) 1.82%
Return on Equity (ROE) 15.17%
Net Interest Margin (NIM) 6.04%
Yield on Assets 6.89%
Cost of Funds 0.89%

Asset Quality

NPL Ratio 0.16%
Net Charge-Off Ratio 0.15%
Texas Ratio 0.82%
NPA Ratio 0.11%
ACL / Loans 1.90%

Capital & Liquidity

CET1 Ratio 16.69%
Tier 1 Capital 16.69%
Total Capital Ratio 17.94%
Leverage Ratio 12.27%
Loan-to-Deposit 80.82%

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