NATIONAL BANK & TRUST

LA GRANGE, TX | Small | Est. July 5, 1888, midnight | FDIC #3289 | RSSD #792659 | OCC
Latest Report: 2025-12-31

NATIONAL BANK & TRUST is asn small FDIC-insured commercial bank headquartered in LA GRANGE, TX, established in July 5, 1888, midnight. As of 2025-12-31, the bank reported total assets of $240M and total deposits of $196M. Profitability stands at 0.71% ROA and 8.23% ROE, with a net interest margin of 2.99%. The bank's CET1 capital ratio is 8.55%. Asset quality metrics show a non-performing loan ratio of 0.18% and a Texas Ratio of 1.10%. FDIC Certificate #3289.

Assets

$240M

Deposits

$196M

Loans

$133M

Equity

$21M

Profitability

Return on Assets (ROA) 0.71%
Return on Equity (ROE) 8.23%
Net Interest Margin (NIM) 2.99%
Yield on Assets 5.28%
Cost of Funds 2.32%

Asset Quality

NPL Ratio 0.18%
Net Charge-Off Ratio 0.03%
Texas Ratio 1.10%
NPA Ratio 0.10%
ACL / Loans 1.13%

Capital & Liquidity

CET1 Ratio 8.55%
Tier 1 Capital 8.55%
Total Capital Ratio 8.98%
Leverage Ratio 11.34%
Loan-to-Deposit 67.59%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required