JUNCTION NATIONAL BANK

JUNCTION, TX | Micro | Est. April 1, 1935, midnight | FDIC #15078 | RSSD #741152 | OCC
Latest Report: 2025-12-31

JUNCTION NATIONAL BANK is amn micro FDIC-insured commercial bank headquartered in JUNCTION, TX, established in April 1, 1935, midnight. As of 2025-12-31, the bank reported total assets of $95M and total deposits of $86M. Profitability stands at 1.34% ROA and 16.06% ROE, with a net interest margin of 3.55%. The bank's CET1 capital ratio is 37.30%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.01%. FDIC Certificate #15078.

Assets

$95M

Deposits

$86M

Loans

$21M

Equity

$8M

Profitability

Return on Assets (ROA) 1.34%
Return on Equity (ROE) 16.06%
Net Interest Margin (NIM) 3.55%
Yield on Assets 4.40%
Cost of Funds 1.49%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.01%
NPA Ratio 0.00%
ACL / Loans 1.62%

Capital & Liquidity

CET1 Ratio 37.30%
Tier 1 Capital 37.30%
Total Capital Ratio 38.46%
Leverage Ratio 11.45%
Loan-to-Deposit 24.48%

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