BanksJUNCTION NATIONAL BANK

JUNCTION NATIONAL BANK

JUNCTION, TXMicroEst. April 1, 1935, midnightFDIC #15078RSSD #741152OCC
Latest · 2025-12-31

JUNCTION NATIONAL BANK is an 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%. CET1 capital ratio: 37.30%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.01%. Operates 1 domestic branch.

Assets
$95M
Deposits
$86M
Loans
$21M
Equity
$8M

Profitability

Return on Assets (ROA)1.34%
Return on Equity (ROE)16.06%
Net Interest Margin3.55%
Yield on Assets4.40%
Cost of Funds0.85%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio-0.01%
Texas Ratio0.01%
NPA Ratio0.00%
ACL / Loans1.62%

Capital & Liquidity

CET1 Ratio37.30%
Tier 1 Capital37.30%
Total Capital Ratio38.46%
Leverage Ratio11.45%
Loan-to-Deposit24.48%

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