FIRST NATIONAL BANK OF EAGLE LAKE, THE

EAGLE LAKE, TX | Small | Est. Dec. 30, 1904, midnight | FDIC #3179 | RSSD #651952 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF EAGLE LAKE, THE is asn small FDIC-insured commercial bank headquartered in EAGLE LAKE, TX, established in Dec. 30, 1904, midnight. As of 2025-12-31, the bank reported total assets of $170M and total deposits of $150M. Profitability stands at 2.00% ROA and 18.96% ROE, with a net interest margin of 5.04%. The bank's CET1 capital ratio is 10.70%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.07% and a Texas Ratio of 14.93%. FDIC Certificate #3179.

Assets

$170M

Deposits

$150M

Loans

$97M

Equity

$18M

Profitability

Return on Assets (ROA) 2.00%
Return on Equity (ROE) 18.96%
Net Interest Margin (NIM) 5.04%
Yield on Assets 5.97%
Cost of Funds 0.97%

Asset Quality

NPL Ratio 3.07%
Net Charge-Off Ratio 0.03%
Texas Ratio 14.93%
NPA Ratio 1.76%
ACL / Loans 1.90%

Capital & Liquidity

CET1 Ratio 10.70%
Tier 1 Capital 10.70%
Total Capital Ratio 11.23%
Leverage Ratio 10.85%
Loan-to-Deposit 64.72%

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