LLANO NATIONAL BANK

LLANO, TX | Small | Est. Jan. 17, 1983, midnight | FDIC #24305 | RSSD #946555 | OCC
Latest Report: 2025-12-31

LLANO NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in LLANO, TX, established in Jan. 17, 1983, midnight. As of 2025-12-31, the bank reported total assets of $319M and total deposits of $286M. Profitability stands at 1.03% ROA and 10.75% ROE, with a net interest margin of 3.77%. The bank's CET1 capital ratio is 9.41%. Asset quality metrics show a non-performing loan ratio of 0.68% and a Texas Ratio of 3.32%. FDIC Certificate #24305.

Assets

$319M

Deposits

$286M

Loans

$166M

Equity

$30M

Profitability

Return on Assets (ROA) 1.03%
Return on Equity (ROE) 10.75%
Net Interest Margin (NIM) 3.77%
Yield on Assets 5.19%
Cost of Funds 1.45%

Asset Quality

NPL Ratio 0.68%
Net Charge-Off Ratio 0.10%
Texas Ratio 3.32%
NPA Ratio 0.35%
ACL / Loans 2.23%

Capital & Liquidity

CET1 Ratio 9.41%
Tier 1 Capital 9.41%
Total Capital Ratio 9.88%
Leverage Ratio 12.67%
Loan-to-Deposit 57.86%

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