The First National Bank of Bastrop
Also written as FNB of Bastrop
BankRegReports is independent of The First National Bank of Bastrop and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Bastrop is an FDIC-insured commercial bank headquartered in Bastrop, TX, established in 1889 (FDIC certificate 3091), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.18B, up 14.1% from Q2 2025, the 80th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.61% 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
- 3091
- Headquarters
- Bastrop, TX
- Established
- 1889
- Total assets, Q2 2026
- $1.18B
- Assets vs Q2 2025
- +14.1%
- Tier 1 leverage ratio, Q2 2026
- 11.61%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 114904953
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Bastrop call report
- Holding company
- BASTROP BANCSHARES, INC.
- Asset rank in state
- 80th of 346 in Texas
The First National Bank of Bastrop, based in Bastrop, Texas, reported $1.2 billion in assets at June 30, 2026, up 14.1% from a year earlier. It grew its loan book 18.0% over the year, about triple the median of 5.9% for the 895 banks with $1 billion to $10 billion in assets. It also holds about two-fifths of its deposits (43%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $33 million equal 25% of Tier 1 capital, down from 33% a year earlier.
As of June 30, 2026, The First National Bank of Bastrop reported a return on assets of 1.29%, a nonperforming-loan ratio of 0.33% and a Texas ratio of 2.03%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The First National Bank of Bastrop is the 80th largest of the 346 banks headquartered in Texas. From Q1 2026 to Q2 2026, its total assets rose 7.4% to $1.18B, loans rose 7.4% and deposits rose 7.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 25.2% of total loans, ahead of non-owner-occupied commercial real estate loans at 18.0%. Its 7 offices in the FDIC Summary of Deposits are in 4 cities in TX; its Bastrop 4 offices book 77% of its branch deposits. By the capital ratios in its Q2 2026 call report, The First National Bank of Bastrop meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 489 Highway 71 W, Bastrop, TX 78602
- County
- Bastrop
- Metro Area
- Austin-Round Rock-San Marcos, TX
- 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
- August 15, 1889
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 157
- Domestic deposits
- $1.07B
- Allowance for credit losses
- $8.2M
- Net charge-offs (YTD)
- $128K
- Average total assets
- $1.15B
- Average total loans
- $704.3M
- Average interest-bearing deposits
- $711.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3091
- Fed RSSD
- 18050
- SEC CIK
- 1923086 → filed by BASTROP BANCSHARES, INC.
- Website
- www.fnbbastrop.bank →
- Parent Holding Company
- BASTROP BANCSHARES, INC. (RSSD 2410304)
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 Bastrop reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The First National Bank of Bastrop's total assets moved between a low of $926.3M (Q3 2023) and a high of $1.18B (Q2 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
$1.18B total assets against $1.03B; $1.07B total liabilities against $952.2M.
$713.5M net loans and leases against $604.6M; $1.07B total deposits against $917.2M.
$303.5M securities against $329.1M; $120.5M cash and balances due against $66.9M.
$15.2M total interest income against $13.2M; $4.4M total interest expense against $4.1M.
$10.8M net interest income against $9.1M.
$1.9M total noninterest income against $1.7M; $7.6M total noninterest expense against $6.9M.
$600K provision for credit losses against $300K.
$3.7M net income against $3.6M.
1.29% return on assets against 1.36%; 3.94% net interest margin against 3.60%.
11.61% tier 1 leverage ratio against 11.67%.
Inside the full The First National Bank of Bastrop terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Bastrop rankings
Its closest position to the top of a national ranking is 900 of 4,196, for total assets; its furthest is 2,248 of 3,640, for Texas Ratio.
Metric pages for The First National Bank of Bastrop: Uninsured deposits.
Banks merged into The First National Bank of Bastrop
- The First State Bank, effective August 1, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.97% (Q3 2024) to 2.15% (Q3 2025) and its net interest margin ran from 3.10% (Q3 2024) to 3.94% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.61% | 1.29% | 0.33% | 2.03% | 3.94% |
| Q1 2026 | 11.55% | 1.61% | 0.29% | 1.73% | 3.62% |
| Q4 2025 | 11.80% | 1.13% | 0.31% | 1.95% | 3.84% |
| Q3 2025 | 11.96% | 2.15% | 0.33% | 2.13% | 3.72% |
| Q2 2025 | 11.67% | 1.36% | 0.42% | 2.86% | 3.60% |
| Q1 2025 | 11.46% | 1.29% | 0.23% | 1.57% | 3.39% |
| Q4 2024 | 11.49% | 1.11% | 0.23% | 1.72% | 3.27% |
| Q3 2024 | 11.80% | 0.97% | 0.21% | 1.34% | 3.10% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| The First National Bank of Bastrop | Bastrop , TX | 78602 | $534.4M |
| Downtown Bastrop Branch | Bastrop , TX | 78602 | $190.8M |
| Smithville Branch | Smithville , TX | 78957 | $109.0M |
| Elgin Branch | Elgin , TX | 78621 | $108.6M |
| Cedar Creek Branch | Bastrop , TX | 78602 | $56.6M |
| Highway 71 Branch | Bastrop , TX | 78602 | $41.2M |
| Falls County Branch | Lott , TX | 76656 | $27.5M |
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 |
|---|---|---|---|
| August 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2026 | Structure Change | Acquired The First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 29, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 29, 2002 | Structure Change | Acquired Community Bank of Central Texas, SSB 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 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action May 1, 1990. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 106 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 248 applications, 148 loans originated, $52.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $5.2M approved, $2.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows The First National Bank of Bastrop’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about The First National Bank of Bastrop
What are The First National Bank of Bastrop's total assets?
As of the Q2 2026 filing, The First National Bank of Bastrop reported total assets of $1.18 billion in its FFIEC call report.
Where is The First National Bank of Bastrop headquartered?
It is headquartered in Bastrop, TX, United States.
When was The First National Bank of Bastrop founded?
It was established in 1889, per the FDIC institution directory.
Is The First National Bank of Bastrop FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3091). 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 Bastrop?
The First National Bank of Bastrop's primary federal regulator is the OCC.
How many branches does The First National Bank of Bastrop operate?
It operates 7 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 Bastrop's Texas Ratio?
Its Texas Ratio is 2.03% 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.
Go deeper on The First National Bank of Bastrop.
Get an email when The First National Bank of Bastrop files its next call report, and benchmark it against any peer you choose.
Unlock The First National Bank of Bastrop, freeFree account