FIRST NATIONAL BANK OF HUGHES SPRINGS, THE

HUGHES SPRINGS, TX | Small | Est. June 3, 1903, midnight | FDIC #3268 | RSSD #849357 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF HUGHES SPRINGS, THE is asn small FDIC-insured commercial bank headquartered in HUGHES SPRINGS, TX, established in June 3, 1903, midnight. As of 2025-12-31, the bank reported total assets of $316M and total deposits of $284M. Profitability stands at 3.03% ROA and 27.38% ROE, with a net interest margin of 6.66%. The bank's CET1 capital ratio is 15.14%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.81% and a Texas Ratio of 8.90%. FDIC Certificate #3268.

Assets

$316M

Deposits

$284M

Loans

$219M

Equity

$32M

Profitability

Return on Assets (ROA) 3.03%
Return on Equity (ROE) 27.38%
Net Interest Margin (NIM) 6.66%
Yield on Assets 6.88%
Cost of Funds 0.24%

Asset Quality

NPL Ratio 0.81%
Net Charge-Off Ratio 0.76%
Texas Ratio 8.90%
NPA Ratio 0.98%
ACL / Loans 1.27%

Capital & Liquidity

CET1 Ratio 15.14%
Tier 1 Capital 15.14%
Total Capital Ratio 16.39%
Leverage Ratio 10.12%
Loan-to-Deposit 77.14%

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