FIRST NATIONAL BANK OF WAUCHULA

WAUCHULA, FL | Micro | Est. Jan. 12, 1960, midnight | FDIC #18136 | RSSD #89135 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF WAUCHULA is amn micro FDIC-insured commercial bank headquartered in WAUCHULA, FL, established in Jan. 12, 1960, midnight. As of 2025-12-31, the bank reported total assets of $86M and total deposits of $75M. Profitability stands at 1.75% ROA and 15.82% ROE, with a net interest margin of 5.34%. The bank's CET1 capital ratio is 11.17%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.22% and a Texas Ratio of 7.26%. FDIC Certificate #18136.

Assets

$86M

Deposits

$75M

Loans

$63M

Equity

$10M

Profitability

Return on Assets (ROA) 1.75%
Return on Equity (ROE) 15.82%
Net Interest Margin (NIM) 5.34%
Yield on Assets 6.69%
Cost of Funds 2.02%

Asset Quality

NPL Ratio 1.22%
Net Charge-Off Ratio -0.03%
Texas Ratio 7.26%
NPA Ratio 0.90%
ACL / Loans 1.64%

Capital & Liquidity

CET1 Ratio 11.17%
Tier 1 Capital 11.17%
Total Capital Ratio 11.73%
Leverage Ratio 12.32%
Loan-to-Deposit 84.33%

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