The First National Bank of Aspermont
Also written as FNB of Aspermont
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Aspermont is an FDIC-insured commercial bank headquartered in Aspermont, TX, established in 1901 (FDIC certificate 3079), and it is supervised by the OCC. At Q2 2026 it reported total assets of $133.9M, up 6.5% from Q2 2025, the 294th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.07% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3079
- Headquarters
- Aspermont, TX
- Established
- 1901
- Total assets, Q2 2026
- $133.9M
- Assets vs Q2 2025
- +6.5%
- Tier 1 leverage ratio, Q2 2026
- 9.07%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 111309234
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Aspermont Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- ASPERMONT BANKSHARES, INC.
- Asset rank in state
- 294th of 346 in Texas
The First National Bank of Aspermont is one of the more profitable banks of its size. It reported $134 million in assets at June 30, 2026, up 6.5% from a year earlier. It returns 27.6% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also grew its loan book 16.7% over the year, about triple the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $367,000, 65% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $7.2 million equal 59% of Tier 1 capital, down from 80% a year earlier. Where it has less room is capital: it funds 9.07% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, The First National Bank of Aspermont reported a return on assets of 1.09%, a nonperforming-loan ratio of 0.29% and a Texas ratio of 2.58%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, The First National Bank of Aspermont is the 294th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.9% to $133.9M, loans rose 4.6% and deposits fell 2.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 34.7% of total loans, followed by farmland and other real estate loans at 17.1%. The FDIC Summary of Deposits lists a single office for it, in Aspermont, TX. Judged on its Q2 2026 call report, The First National Bank of Aspermont meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 136 W 7th St, Aspermont, TX 79502
- County
- Stonewall
- 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 21, 1901
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $128.0M
- Allowance for credit losses
- $605K
- Net charge-offs (YTD)
- $0
- Average total assets
- $135.0M
- Average total loans
- $48.7M
- Average interest-bearing deposits
- $71.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3079
- Fed RSSD
- 138257
- Website
- http://www.fnbaspermont.com →
- Parent Holding Company
- ASPERMONT BANKSHARES, INC. (RSSD 5325212)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The First National Bank of Aspermont reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The First National Bank of Aspermont's total assets ran between $102.8M (Q3 2023) and $136.9M (Q4 2025), 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
$133.9M total assets against $125.7M; $128.5M total liabilities against $123.1M.
$49.2M net loans and leases against $42.2M; $128.0M total deposits against $122.5M.
$62.1M securities against $63.8M; $17.1M cash and balances due against $15.0M.
$1.4M total interest income against $1.2M; $452K total interest expense against $473K.
$964K net interest income against $771K.
$170K total noninterest income against $173K; $722K total noninterest expense against $707K.
$18K provision for credit losses against $15K.
$367K net income against $222K.
1.09% return on assets against 0.72%; 3.17% net interest margin against 2.79%.
9.07% tier 1 leverage ratio against 9.15%.
Inside the full The First National Bank of Aspermont terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Aspermont rankings
Its closest position to the top of a national ranking is 1,967 of 3,606, for efficiency ratio; its furthest is 3,424 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.14% (Q4 2024) to 1.11% (Q1 2026) and its net interest margin ran from 2.55% (Q4 2024) to 3.17% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.07% | 1.09% | 0.29% | 2.58% | 3.17% |
| Q1 2026 | 8.84% | 1.11% | 0.32% | 2.77% | 3.01% |
| Q4 2025 | 8.75% | 1.10% | 0.36% | 2.86% | 2.95% |
| Q3 2025 | 8.80% | 0.84% | 0.43% | 3.82% | 2.91% |
| Q2 2025 | 9.15% | 0.72% | 0.28% | 4.34% | 2.79% |
| Q1 2025 | 9.61% | 0.48% | 0.33% | 4.74% | 2.68% |
| Q4 2024 | 9.63% | 0.14% | 0.36% | 9.56% | 2.55% |
| Q3 2024 | 9.63% | 0.46% | 0.39% | 3.59% | 2.59% |
Swipe the table sideways to see every column.
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 |
|---|---|---|---|
| The First National Bank of Aspermont | Aspermont , TX | 79502 | $128.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 345 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.5M approved, $1.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (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 The First National Bank of Aspermont
What are The First National Bank of Aspermont's total assets?
As of the Q2 2026 filing, The First National Bank of Aspermont reported total assets of $133.9 million in its FFIEC call report.
Where is The First National Bank of Aspermont headquartered?
It is headquartered in Aspermont, TX, United States.
When was The First National Bank of Aspermont founded?
It was established in 1901, per the FDIC institution directory.
Is The First National Bank of Aspermont FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3079). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Aspermont?
The First National Bank of Aspermont's primary federal regulator is the OCC.
How many branches does The First National Bank of Aspermont 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 The First National Bank of Aspermont's Texas Ratio?
Its Texas Ratio is 2.58% 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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