First National Bank (Rotan, TX)
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Data as of · sourced from FFIEC call reports. How we update
First National Bank is an FDIC-insured commercial bank headquartered in Rotan, TX, established in 1997 (FDIC certificate 34455), and it is supervised by the OCC. At Q2 2026 it reported total assets of $96.5M, up 12.8% from Q2 2025, the 309th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 21.53% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 34455
- Headquarters
- Rotan, TX
- Established
- 1997
- Total assets, Q2 2026
- $96.5M
- Assets vs Q2 2025
- +12.8%
- CET1 ratio, Q2 2026
- 21.53%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 111306758
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank call report
- Holding company
- ROTAN DELAWARE BANCSHARES, INC.
- Asset rank in state
- 309th of 346 in Texas
Problem loans are rising at First National Bank. It reported $96 million in assets at June 30, 2026, up 12.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.09% of loans from 0.17% a year earlier. It carries problem assets equal to 18.5% of the capital and reserves that would absorb them, 13.4 times the median of 1.4% for the 583 banks with less than $100 million in assets. It also grew its loan book 16.8% over the year, 6.6 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $178,000, 59% above the same quarter a year earlier. Delinquency has appeared in its $6.1 million non-owner-occupied commercial real estate book: 12.46% of those loans are past due or on nonaccrual, against almost none a year earlier. Where it has less room is capital: it funds 9.71% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
As of June 30, 2026, First National Bank reported a CET1 capital ratio of 21.53%, a return on assets of 0.70%, a nonperforming-loan ratio of 3.09% and a Texas ratio of 18.49%. The figures come from its call report filed with the FFIEC.
First National Bank ranks as the 309th largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.2% to $96.5M, loans rose 6.2% and deposits fell 1.4%. Agricultural production loans made up 53.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 15.2%. Its one office in the FDIC Summary of Deposits is in Rotan, TX. By the capital ratios in its Q2 2026 call report, First National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 118 N Garfield Ave, Rotan, TX 79546
- County
- Fisher
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 1, 1997
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $90.4M
- Allowance for credit losses
- $933K
- Net charge-offs (YTD)
- -$63K
- Average total assets
- $102.2M
- Average total loans
- $40.1M
- Average interest-bearing deposits
- $75.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 1, 1997
- FDIC Cert
- 34455
- Fed RSSD
- 2490285
- Website
- www.fnbrotan.com →
- Parent Holding Company
- ROTAN DELAWARE BANCSHARES, INC. (RSSD 2487922)
- Ultimate Parent
- ROTAN BANCSHARES, INC. (RSSD 2487913)
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, First National Bank's total assets ranged from $85.5M (Q2 2025) to $101.3M (Q4 2023), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$96.5M total assets against $85.5M; $90.7M total liabilities against $81.9M.
$39.6M net loans and leases against $33.8M; $90.4M total deposits against $81.6M.
$42.4M securities against $45.0M; $12.3M cash and balances due against $4.3M.
$1.1M total interest income against $1.0M; $366K total interest expense against $386K.
$757K net interest income against $626K.
$92K total noninterest income against $98K; $671K total noninterest expense against $630K.
$0 provision for credit losses against -$18K.
$178K net income against $112K.
0.70% return on assets against 0.48%; 3.17% net interest margin against 2.95%.
21.53% CET1 capital ratio against 22.37%; 9.71% tier 1 leverage ratio against 10.11%.
Inside the full First National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
First National Bank rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.34% (Q4 2025) to 0.92% (Q1 2025) and its net interest margin ran from 2.45% (Q4 2024) to 3.17% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.53% | 0.70% | 3.09% | 18.49% | 3.17% |
| Q1 2026 | 20.04% | 0.66% | 3.40% | 19.54% | 3.13% |
| Q4 2025 | 20.14% | 0.34% | 2.14% | 13.99% | 2.77% |
| Q3 2025 | 21.83% | 0.67% | 2.31% | 14.54% | 3.05% |
| Q2 2025 | 22.37% | 0.48% | 0.17% | 1.30% | 2.95% |
| Q1 2025 | 19.49% | 0.92% | 0.00% | 0.00% | 3.03% |
| Q4 2024 | 18.88% | 0.42% | 0.05% | 0.66% | 2.45% |
| Q3 2024 | 21.37% | 0.59% | 1.89% | 14.46% | 2.99% |
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Branch Network
View the branch → 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 |
|---|---|---|---|
| First National Bank (main office) | Rotan , TX | 79546 | $90.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1997 | Structure Change | Acquired The First National Bank of Rotan Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC); 1 against individuals associated with it
- November 16, 1999, OCC: Formal Agreement: First National Bank
- November 16, 1999, OCC: Formal Agreement: First National Bank Of Rotan
- October 15, 1998, OCC: Formal Agreement: First National Bank Of Rotan
- Period: Most recent institution action November 16, 1999. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 378 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $35K approved, $35K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 First National Bank
What are First National Bank's total assets?
As of the Q2 2026 filing, First National Bank reported total assets of $96.5 million in its FFIEC call report.
Where is First National Bank headquartered?
It is headquartered in Rotan, TX, United States.
When was First National Bank founded?
It was established in 1997, per the FDIC institution directory.
Is First National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34455). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank?
First National Bank's primary federal regulator is the OCC.
What is First National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.53% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank's Texas Ratio?
Its Texas Ratio is 18.49% 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.
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