The First National Bank of Ballinger
Also written as FNB of Ballinger
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Ballinger is an FDIC-insured commercial bank headquartered in Ballinger, TX, established in 1886 (FDIC certificate 3087), and it is supervised by the OCC. At Q2 2026 it reported total assets of $275.3M, up 5.6% from Q2 2025, the 224th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 17.55% 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
- 3087
- Headquarters
- Ballinger, TX
- Established
- 1886
- Total assets, Q2 2026
- $275.3M
- Assets vs Q2 2025
- +5.6%
- CET1 ratio, Q2 2026
- 17.55%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 111302587
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Ballinger Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- TEXAS COUNTRY BANCSHARES, INC.
- Asset rank in state
- 224th of 346 in Texas
The First National Bank of Ballinger, based in Ballinger, Texas, reported $275 million in assets at June 30, 2026, up 5.6% from a year earlier. It shrank its loan book 4.1% over the year, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 5.5%). It also carries problem assets equal to 0.2% of the capital and reserves that would absorb them, a small fraction of the median of 2.7% for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 4.1% and deposits rose 4.8%.
As of June 30, 2026, The First National Bank of Ballinger reported a CET1 capital ratio of 17.55%, a return on assets of 1.51%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.16%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The First National Bank of Ballinger is the 224th largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets fell 0.2% to $275.3M, loans fell 7.3% and deposits fell 0.5%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 24.4% of total loans, followed by 1-4 family residential loans at 17.5%. The FDIC Summary of Deposits lists 3 offices for it, in San Angelo, TX, Ballinger, TX and Fort Worth, TX; its San Angelo office books 56% of its branch deposits. On its Q2 2026 call report, The First National Bank of Ballinger meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 911 Hutchings Avenue, Ballinger, TX 76821
- County
- Runnels
- 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
- —
- Call Report form
- FFIEC 051
- Established
- June 29, 1886
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 42
- Domestic deposits
- $244.9M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $14K
- Average total assets
- $283.4M
- Average total loans
- $160.4M
- Average interest-bearing deposits
- $169.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3087
- Fed RSSD
- 160454
- SEC CIK
- 1157751 → filed by TEXAS COUNTRY BANCSHARES, INC.
- Website
- www.fnbballinger.com →
- Parent Holding Company
- TEXAS COUNTRY BANCSHARES, INC. (RSSD 1106990)
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
The First National Bank of Ballinger's total assets moved between a low of $249.1M (Q3 2023) and a high of $275.9M (Q1 2026) from Q3 2023 to 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
$275.3M total assets against $260.8M; $247.3M total liabilities against $235.2M.
$150.8M net loans and leases against $157.3M; $244.9M total deposits against $233.7M.
$56.1M securities against $53.9M; $55.9M cash and balances due against $37.4M.
$3.8M total interest income against $3.6M; $1.0M total interest expense against $996K.
$2.8M net interest income against $2.6M.
$425K total noninterest income against $382K; $2.1M total noninterest expense against $1.9M.
$0 provision for credit losses against $35K.
$1.1M net income against $1.1M.
1.51% return on assets against 1.64%; 4.07% net interest margin against 4.21%.
17.55% CET1 capital ratio against 16.37%; 10.52% tier 1 leverage ratio against 10.74%.
Inside the full The First National Bank of Ballinger terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Ballinger rankings
Its closest position to the top of a national ranking is 525 of 2,134, for CET1 ratio; its furthest is 3,183 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.50% (Q1 2026) to 1.85% (Q4 2024) and its net interest margin ran from 3.94% (Q1 2025) to 4.24% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.55% | 1.51% | 0.03% | 0.16% | 4.07% |
| Q1 2026 | 16.38% | 1.50% | 0.03% | 0.17% | 4.24% |
| Q4 2025 | 17.50% | 1.69% | 0.04% | 0.21% | 4.03% |
| Q3 2025 | 16.85% | 1.63% | 0.04% | 0.22% | 4.20% |
| Q2 2025 | 16.37% | 1.64% | 0.04% | 0.24% | 4.21% |
| Q1 2025 | 16.11% | 1.56% | 0.04% | 0.25% | 3.94% |
| Q4 2024 | 15.45% | 1.85% | 0.05% | 0.31% | 4.11% |
| Q3 2024 | 15.62% | 1.77% | 0.05% | 0.31% | 4.21% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Bank of San Angelo Branch | San Angelo , TX | 76904 | $136.6M |
| The First National Bank of Ballinger | Ballinger , TX | 76821 | $108.3M |
| Fnb Texas Branch | Fort Worth , TX | 76102 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 272 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $90K approved, $90K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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 Ballinger
What are The First National Bank of Ballinger's total assets?
As of the Q2 2026 filing, The First National Bank of Ballinger reported total assets of $275.3 million in its FFIEC call report.
Where is The First National Bank of Ballinger headquartered?
It is headquartered in Ballinger, TX, United States.
When was The First National Bank of Ballinger founded?
It was established in 1886, per the FDIC institution directory.
Is The First National Bank of Ballinger FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3087). 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 Ballinger?
The First National Bank of Ballinger's primary federal regulator is the OCC.
What is The First National Bank of Ballinger's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.55% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank of Ballinger operate?
It operates 3 domestic offices, 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 Ballinger's Texas Ratio?
Its Texas Ratio is 0.16% 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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