BanksFIRST NATIONAL BANK OF WAUCHULA

FIRST NATIONAL BANK OF WAUCHULA

WAUCHULA, FLMicroEst. Jan. 12, 1960, midnightFDIC #18136RSSD #89135OCC
Latest · 2025-12-31

FIRST NATIONAL BANK OF WAUCHULA is an 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%. CET1 capital ratio: 11.17%, well above regulatory minimums. NPL ratio: 1.22% · Texas Ratio: 7.26%. Operates 1 domestic branch.

Assets
$86M
Deposits
$75M
Loans
$63M
Equity
$10M

Profitability

Return on Assets (ROA)1.75%
Return on Equity (ROE)15.82%
Net Interest Margin5.34%
Yield on Assets6.69%
Cost of Funds1.43%

Asset Quality

NPL Ratio1.22%
Net Charge-Off Ratio-0.03%
Texas Ratio7.26%
NPA Ratio0.90%
ACL / Loans1.64%

Capital & Liquidity

CET1 Ratio11.17%
Tier 1 Capital11.17%
Total Capital Ratio11.73%
Leverage Ratio12.32%
Loan-to-Deposit84.33%

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