FIRST NATIONAL BANK IN COOPER, THE

COOPER, TX | Micro | Est. Jan. 15, 1891, midnight | FDIC #3149 | RSSD #767152 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK IN COOPER, THE is amn micro FDIC-insured commercial bank headquartered in COOPER, TX, established in Jan. 15, 1891, midnight. As of 2025-12-31, the bank reported total assets of $55M and total deposits of $48M. Profitability stands at 0.87% ROA and 6.48% ROE, with a net interest margin of 3.44%. The bank's CET1 capital ratio is 13.17%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #3149.

Assets

$55M

Deposits

$48M

Loans

$32M

Equity

$7M

Profitability

Return on Assets (ROA) 0.87%
Return on Equity (ROE) 6.48%
Net Interest Margin (NIM) 3.44%
Yield on Assets 4.74%
Cost of Funds 1.98%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.76%

Capital & Liquidity

CET1 Ratio 13.17%
Tier 1 Capital 13.17%
Total Capital Ratio 13.83%
Leverage Ratio 13.61%
Loan-to-Deposit 66.59%

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