Fannin Bank
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Data as of · sourced from FFIEC call reports. How we update
Fannin Bank is an FDIC-insured commercial bank headquartered in Bonham, TX, established in 1925 (FDIC certificate 5589), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $159.1M, up 7.5% from Q2 2025, the 274th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 16.15% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5589
- Headquarters
- Bonham, TX
- Established
- 1925
- Total assets, Q2 2026
- $159.1M
- Assets vs Q2 2025
- +7.5%
- CET1 ratio, Q2 2026
- 16.15%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 111920325
- Latest call report
- Q2 2026, FFIEC 041 · Fannin Bank call report
- Holding company
- FANNIN BANCORP, INC.
- Asset rank in state
- 274th of 346 in Texas
Problem loans are rising at Fannin Bank. Its balance sheet stood at $159 million at June 30, 2026, up 7.5% from a year earlier; it is based in Bonham, Texas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.04% of loans from 0.29% a year earlier. It funds 8.60% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $4.4 million equal 31% of Tier 1 capital, down from 45% a year earlier.
As of June 30, 2026, Fannin Bank reported a CET1 capital ratio of 16.15%, a return on assets of 0.88%, a nonperforming-loan ratio of 1.04% and a Texas ratio of 7.26%. The figures come from its call report filed with the FFIEC.
Fannin Bank ranks as the 274th largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.0% to $159.1M, loans rose 0.4% and deposits rose 4.4%. 1-4 family residential loans made up 42.0% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 15.8%. Its 2 offices in the FDIC Summary of Deposits are in Bonham, TX and Honey Grove, TX; its Bonham office books 72% of its branch deposits. By the capital ratios in its Q2 2026 call report, Fannin Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 230 E 3rd St, Bonham, TX 75418
- County
- Fannin
- Metro Area
- Bonham, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 22, 1925
- Former names
- Fannin National Bank in Windom (1964-1976)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $147.1M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $26K
- Average total assets
- $161.5M
- Average total loans
- $82.7M
- Average interest-bearing deposits
- $146.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5589
- Fed RSSD
- 377663
- Website
- www.fanninbank.com →
- Parent Holding Company
- FANNIN BANCORP, INC. (RSSD 1137284)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Fannin Bank's total assets ranged from $139.0M (Q1 2024) to $159.1M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$159.1M total assets against $148.1M; $148.7M total liabilities against $141.0M.
$81.3M net loans and leases against $79.1M; $147.1M total deposits against $139.4M.
$62.2M securities against $58.3M; $7.7M cash and balances due against $3.5M.
$2.1M total interest income against $2.0M; $748K total interest expense against $762K.
$1.4M net interest income against $1.2M.
$208K total noninterest income against $222K; $1.1M total noninterest expense against $1.0M.
$45K provision for credit losses against $8K.
$356K net income against $374K.
0.88% return on assets against 0.98%; 3.62% net interest margin against 3.45%.
16.15% CET1 capital ratio against 15.30%; 8.60% tier 1 leverage ratio against 8.37%.
Inside the full Fannin Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFannin Bank rankings
Its closest position to the top of a national ranking is 922 of 3,640, for Texas Ratio; its furthest is 3,222 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.73% (Q4 2024) to 1.99% (Q1 2026) and its net interest margin ran from 3.24% (Q1 2025) to 3.71% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.15% | 0.88% | 1.04% | 7.26% | 3.62% |
| Q1 2026 | 16.63% | 1.99% | 0.10% | 0.71% | 3.71% |
| Q4 2025 | 16.45% | 0.95% | 0.15% | 1.07% | 3.45% |
| Q3 2025 | 15.65% | 1.03% | 0.10% | 0.80% | 3.54% |
| Q2 2025 | 15.30% | 0.98% | 0.29% | 2.74% | 3.45% |
| Q1 2025 | 15.26% | 0.87% | 0.26% | 2.53% | 3.24% |
| Q4 2024 | 14.95% | 0.73% | 0.27% | 3.14% | 3.33% |
| Q3 2024 | 14.65% | 0.88% | 0.28% | 2.69% | 3.26% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Fannin Bank (main office) | Bonham , TX | 75418 | $105.7M |
| Honey Grove Branch | Honey Grove , TX | 75446 | $41.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 329 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $280K approved, $280K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1992 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Fannin Bank
What are Fannin Bank's total assets?
As of the Q2 2026 filing, Fannin Bank reported total assets of $159.1 million in its FFIEC call report.
Where is Fannin Bank headquartered?
It is headquartered in Bonham, TX, United States.
When was Fannin Bank founded?
It was established in 1925, per the FDIC institution directory.
Is Fannin Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5589). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fannin Bank?
Fannin Bank's primary federal regulator is the FDIC.
What is Fannin Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.15% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Fannin Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fannin Bank's Texas Ratio?
Its Texas Ratio is 7.26% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Fannin Bank previously called?
The charter now named Fannin Bank has also operated as Fannin National Bank in Windom (1964-1976), per FDIC structure-change records.
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