JOHNSON CITY BANK

JOHNSON CITY, TX | Small | Est. Aug. 1, 1944, midnight | FDIC #16176 | RSSD #977652 | FDIC
Latest Report: 2025-12-31

JOHNSON CITY BANK is asn small FDIC-insured commercial bank headquartered in JOHNSON CITY, TX, established in Aug. 1, 1944, midnight. As of 2025-12-31, the bank reported total assets of $140M and total deposits of $122M. Profitability stands at 1.49% ROA and 11.69% ROE, with a net interest margin of 4.36%. The bank's CET1 capital ratio is 12.70%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.27% and a Texas Ratio of 1.24%. FDIC Certificate #16176.

Assets

$140M

Deposits

$122M

Loans

$88M

Equity

$18M

Profitability

Return on Assets (ROA) 1.49%
Return on Equity (ROE) 11.69%
Net Interest Margin (NIM) 4.36%
Yield on Assets 5.74%
Cost of Funds 1.46%

Asset Quality

NPL Ratio 0.27%
Net Charge-Off Ratio 0.20%
Texas Ratio 1.24%
NPA Ratio 0.17%
ACL / Loans 1.16%

Capital & Liquidity

CET1 Ratio 12.70%
Tier 1 Capital 12.70%
Total Capital Ratio 13.34%
Leverage Ratio 13.21%
Loan-to-Deposit 71.89%

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