First National Bank of Dublin
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Dublin is an FDIC-insured commercial bank headquartered in Dublin, TX, established in 1985 (FDIC certificate 26228), and it is supervised by the OCC. At Q2 2026 it reported total assets of $134.3M, up 1.4% from Q2 2025, the 293rd largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 16.86% 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
- 26228
- Headquarters
- Dublin, TX
- Established
- 1985
- Total assets, Q2 2026
- $134.3M
- Assets vs Q2 2025
- +1.4%
- CET1 ratio, Q2 2026
- 16.86%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 111915770
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Dublin call report
- Holding company
- DUBLIN BANCSHARES, INC.
- Asset rank in state
- 293rd of 346 in Texas
First National Bank of Dublin is one of the more profitable banks of its size. The Dublin, Texas bank had $134 million in assets at June 30, 2026, up 1.4% from a year earlier. It earns about $2.44 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 5.86 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
Its $14 million commercial and industrial book is improving, with 1.59% past due or on nonaccrual, down from 4.93% a year earlier. Loans are outrunning deposits: over the year loans rose 7.1% and deposits rose 0.4%.
As of June 30, 2026, First National Bank of Dublin reported a CET1 capital ratio of 16.86%, a return on assets of 2.44%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.54%. The figures come from its call report filed with the FFIEC.
First National Bank of Dublin ranks as the 293rd largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.7% to $134.3M, loans rose 0.9% and deposits rose 0.3%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 30.3% of total loans, ahead of farmland and other real estate loans at 28.8%. Its 3 offices in the FDIC Summary of Deposits are in Dublin, TX, De Leon, TX and Gustine, TX; its Dublin office books 46% of its branch deposits. Judged on its Q2 2026 call report, First National Bank of Dublin meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 825 N Patrick St, Dublin, TX 76446
- County
- Erath
- Metro Area
- Stephenville, 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
- May 7, 1985
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 33
- Domestic deposits
- $116.9M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $102K
- Average total assets
- $135.8M
- Average total loans
- $96.9M
- Average interest-bearing deposits
- $54.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 7, 1985
- FDIC Cert
- 26228
- Fed RSSD
- 648550
- Website
- www.bankingfnb.com →
- Parent Holding Company
- DUBLIN BANCSHARES, INC. (RSSD 1246953)
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
First National Bank of Dublin's total assets moved between a low of $127.8M (Q1 2024) and a high of $137.2M (Q3 2025) 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
$134.3M total assets against $132.5M; $117.4M total liabilities against $116.8M.
$94.9M net loans and leases against $88.5M; $116.9M total deposits against $116.4M.
$4.9M securities against $222K; $29.7M cash and balances due against $39.0M.
$2.1M total interest income against $2.2M; $224K total interest expense against $279K.
$1.9M net interest income against $2.0M.
$285K total noninterest income against $170K; $1.3M total noninterest expense against $1.4M.
$80K provision for credit losses against $80K.
$829K net income against $705K.
2.44% return on assets against 2.13%; 5.86% net interest margin against 6.23%.
16.86% CET1 capital ratio against 16.84%; 12.54% tier 1 leverage ratio against 11.92%.
Inside the full First National Bank of Dublin terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank of Dublin rankings
Its closest position to the top of a national ranking is 184 of 3,611, for ROA; its furthest is 3,420 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.85% (Q4 2025) to 3.03% (Q3 2024) and its net interest margin ran from 5.78% (Q1 2026) to 6.46% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.86% | 2.44% | 0.10% | 0.54% | 5.86% |
| Q1 2026 | 16.66% | 2.35% | 0.13% | 0.67% | 5.78% |
| Q4 2025 | 16.69% | 1.85% | 0.16% | 0.84% | 5.89% |
| Q3 2025 | 16.88% | 2.34% | 0.17% | 0.87% | 6.22% |
| Q2 2025 | 16.84% | 2.13% | 0.18% | 0.94% | 6.23% |
| Q1 2025 | 15.63% | 2.44% | 0.18% | 0.92% | 5.91% |
| Q4 2024 | 16.25% | 2.68% | 0.16% | 0.82% | 6.34% |
| Q3 2024 | 16.09% | 3.03% | 0.10% | 0.51% | 6.46% |
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 |
|---|---|---|---|
| First National Bank of Dublin (main office) | Dublin , TX | 76446 | $53.8M |
| De Leon Branch | De Leon , TX | 76444 | $49.5M |
| Gustine Branch | Gustine , TX | 76455 | $13.5M |
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 |
|---|---|---|---|
| January 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1997 | Structure Change | Acquired The First State Bank 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
- 1 against the institution (OCC); 8 against individuals associated with it
- March 19, 2002, OCC: Formal Agreement: First National Bank of Dublin
- Period: Most recent institution action March 19, 2002. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 356 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $57K approved, $57K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (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 of Dublin
What are First National Bank of Dublin's total assets?
As of the Q2 2026 filing, First National Bank of Dublin reported total assets of $134.3 million in its FFIEC call report.
Where is First National Bank of Dublin headquartered?
It is headquartered in Dublin, TX, United States.
When was First National Bank of Dublin founded?
It was established in 1985, per the FDIC institution directory.
Is First National Bank of Dublin FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26228). 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 Dublin?
First National Bank of Dublin's primary federal regulator is the OCC.
What is First National Bank of Dublin's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.86% 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 Dublin 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 First National Bank of Dublin's Texas Ratio?
Its Texas Ratio is 0.54% 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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