First National Bank of Bosque County
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Bosque County is an FDIC-insured commercial bank headquartered in Valley Mills, TX, established in 1908 (FDIC certificate 5564), and it is supervised by the OCC. At Q2 2026 it reported total assets of $182.3M, up 4.9% from Q2 2025, the 262nd largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 18.80% 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
- 5564
- Headquarters
- Valley Mills, TX
- Established
- 1908
- Total assets, Q2 2026
- $182.3M
- Assets vs Q2 2025
- +4.9%
- CET1 ratio, Q2 2026
- 18.80%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 111913329
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Bosque County call report
- Holding company
- VALLEY MILLS FINANCIAL CORPORATION
- Asset rank in state
- 262nd of 346 in Texas
First National Bank of Bosque County is one of the more profitable banks of its size. The Valley Mills, Texas bank had $182 million in assets at June 30, 2026, up 4.9% from a year earlier. It earns about $2.20 a year on every $100 of assets, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median $1.28). It also pays an average of 0.95% on its deposits and borrowings, about half the median of 1.80% for banks its size. A wide margin does most of the work: it keeps 4.69 cents of net interest income on every dollar of earning assets.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.72% of loans, down from 0.98% a year earlier. The commercial and industrial book ($27 million) is worsening: 2.13% of it is past due or on nonaccrual, up from 1.55% a year earlier.
As of June 30, 2026, First National Bank of Bosque County reported a CET1 capital ratio of 18.80%, a return on assets of 2.20%, a nonperforming-loan ratio of 0.72% and a Texas ratio of 3.89%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First National Bank of Bosque County is the 262nd largest of the 346 banks headquartered in Texas. From Q1 2026 to Q2 2026, its total assets fell 2.1% to $182.3M, loans rose 3.1% and deposits fell 2.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 44.5% of total loans, followed by commercial and industrial loans at 19.6%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in TX; its Valley Mills office books 43% of its branch deposits. Judged on its Q2 2026 call report, First National Bank of Bosque County meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 418 E Avenue C, Valley Mills, TX 76689
- County
- Bosque
- Metro Area
- Waco, 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 1, 1908
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 31
- Domestic deposits
- $158.3M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- -$12K
- Average total assets
- $185.0M
- Average total loans
- $133.2M
- Average interest-bearing deposits
- $102.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5564
- Fed RSSD
- 198961
- Parent Holding Company
- VALLEY MILLS FINANCIAL CORPORATION (RSSD 1104110)
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
Over the 12 quarters to Q2 2026, First National Bank of Bosque County's total assets ran between $168.8M (Q4 2024) and $188.6M (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
$182.3M total assets against $173.8M; $158.8M total liabilities against $152.8M.
$135.0M net loans and leases against $131.5M; $158.3M total deposits against $152.3M.
$21.9M securities against $21.6M; $18.0M cash and balances due against $13.3M.
$2.4M total interest income against $2.2M; $381K total interest expense against $314K.
$2.1M net interest income against $1.9M.
$223K total noninterest income against $269K; $1.3M total noninterest expense against $1.2M.
$0 provision for credit losses against $25K.
$1.0M net income against $937K.
2.20% return on assets against 2.15%; 4.69% net interest margin against 4.78%.
18.80% CET1 capital ratio against 16.66%; 12.79% tier 1 leverage ratio against 12.30%.
Inside the full First National Bank of Bosque County terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank of Bosque County rankings
Its closest position to the top of a national ranking is 316 of 3,611, for ROA; its furthest is 3,087 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.01% (Q1 2026) to 2.28% (Q1 2025) and its net interest margin ran from 4.23% (Q1 2026) to 4.78% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.80% | 2.20% | 0.72% | 3.89% | 4.69% |
| Q1 2026 | 18.89% | 2.01% | 0.51% | 2.69% | 4.23% |
| Q4 2025 | 17.34% | 2.04% | 0.92% | 5.23% | 4.43% |
| Q3 2025 | 16.92% | 2.21% | 1.11% | 6.37% | 4.78% |
| Q2 2025 | 16.66% | 2.15% | 0.98% | 5.75% | 4.78% |
| Q1 2025 | 16.62% | 2.28% | 1.53% | 9.05% | 4.54% |
| Q4 2024 | 16.44% | 2.12% | 0.94% | 5.69% | 4.54% |
| Q3 2024 | 17.07% | 2.04% | 0.71% | 4.16% | 4.56% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| First National Bank of Bosque County (main office) | Valley Mills , TX | 76689 | $68.6M |
| Clifton Branch | Clifton , TX | 76634 | $40.6M |
| Ranch House Branch | Waco , TX | 76712 | $33.9M |
| Meridian Branch | Meridian , TX | 76665 | $15.1M |
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 |
|---|---|---|---|
| June 8, 1990 | Structure Change | Acquired Clifton National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 7, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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.
- Deposit market share
- <0.1% of deposits in TX, rank 318 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 of Bosque County
What are First National Bank of Bosque County's total assets?
As of the Q2 2026 filing, First National Bank of Bosque County reported total assets of $182.3 million in its FFIEC call report.
Where is First National Bank of Bosque County headquartered?
It is headquartered in Valley Mills, TX, United States.
When was First National Bank of Bosque County founded?
It was established in 1908, per the FDIC institution directory.
Is First National Bank of Bosque County FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5564). 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 of Bosque County?
First National Bank of Bosque County's primary federal regulator is the OCC.
What is First National Bank of Bosque County's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.80% 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 of Bosque County operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank of Bosque County's Texas Ratio?
Its Texas Ratio is 3.89% 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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