The First National Bank of Eagle Lake
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Eagle Lake is an FDIC-insured commercial bank headquartered in Eagle Lake, TX, established in 1904 (FDIC certificate 3179), and it is supervised by the OCC. At Q2 2026 it reported total assets of $167.7M, up 3.9% from Q2 2025, the 269th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.38% 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
- 3179
- Headquarters
- Eagle Lake, TX
- Established
- 1904
- Total assets, Q2 2026
- $167.7M
- Assets vs Q2 2025
- +3.9%
- Tier 1 leverage ratio, Q2 2026
- 11.38%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 113104880
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Eagle Lake call report
- Holding company
- EAGLE LAKE BANCSHARES, INC.
- Asset rank in state
- 269th of 346 in Texas
The First National Bank of Eagle Lake earns an unusually wide margin on its lending. It reported $168 million in assets at June 30, 2026, up 3.9% from a year earlier. It keeps 5.08 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 0.74% on its deposits and borrowings, about a third the median of 1.80% for banks its size.
Its $16 million commercial and industrial book is improving, with 0.31% past due or on nonaccrual, down from 4.46% a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 2.25% of loans, down from 2.89% a year earlier. Credit is the area to watch: it carries problem assets equal to 11.6% of the capital and reserves that would absorb them, 4.4 times the median of 2.6% for banks its size.
As of June 30, 2026, The First National Bank of Eagle Lake reported a return on assets of 1.72%, a nonperforming-loan ratio of 2.25% and a Texas ratio of 11.55%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, The First National Bank of Eagle Lake is the 269th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.8% to $167.7M, loans rose 9.8% and deposits fell 2.4%. Farmland and other real estate loans made up 24.6% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 21.2%. Its 3 offices in the FDIC Summary of Deposits are in Eagle Lake, TX, East Bernard, TX and Columbus, TX; its Eagle Lake office books 64% of its branch deposits. Judged on its Q2 2026 call report, The First National Bank of Eagle Lake meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1217 E Main St, Eagle Lake, TX 77434
- County
- Colorado
- 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
- December 30, 1904
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $147.7M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $5K
- Average total assets
- $172.4M
- Average total loans
- $100.5M
- Average interest-bearing deposits
- $152.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3179
- Fed RSSD
- 651952
- Website
- www.fnbeaglelake.bank →
- Parent Holding Company
- EAGLE LAKE BANCSHARES, INC. (RSSD 2723648)
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 Eagle Lake reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The First National Bank of Eagle Lake's total assets moved between a low of $155.8M (Q2 2024) and a high of $172.4M (Q3 2024) 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
$167.7M total assets against $161.4M; $148.6M total liabilities against $144.3M.
$105.6M net loans and leases against $104.8M; $147.7M total deposits against $138.4M.
$18.1M securities against $17.4M; $29.3M cash and balances due against $25.1M.
$2.4M total interest income against $2.2M; $377K total interest expense against $435K.
$2.0M net interest income against $1.8M.
$270K total noninterest income against $237K; $1.5M total noninterest expense against $1.3M.
$44K provision for credit losses against $15K.
$741K net income against $674K.
1.72% return on assets against 1.69%; 5.08% net interest margin against 4.89%.
11.38% tier 1 leverage ratio against 11.20%.
Inside the full The First National Bank of Eagle Lake terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Eagle Lake rankings
Its closest position to the top of a national ranking is 509 of 3,640, for Texas Ratio; its furthest is 3,171 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.30% (Q1 2025) to 1.99% (Q4 2025) and its net interest margin ran from 4.29% (Q1 2025) to 5.08% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.38% | 1.72% | 2.25% | 11.55% | 5.08% |
| Q1 2026 | 11.35% | 1.37% | 2.38% | 11.34% | 4.72% |
| Q4 2025 | 10.85% | 1.99% | 3.07% | 14.93% | 5.06% |
| Q3 2025 | 11.26% | 1.49% | 3.71% | 19.17% | 4.70% |
| Q2 2025 | 11.20% | 1.69% | 2.89% | 16.27% | 4.89% |
| Q1 2025 | 10.52% | 1.30% | 3.06% | 16.92% | 4.29% |
| Q4 2024 | 9.96% | 1.51% | 0.04% | 0.23% | 4.73% |
| Q3 2024 | 10.40% | 1.44% | 0.03% | 0.16% | 4.57% |
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 |
|---|---|---|---|
| The First National Bank of Eagle Lake | Eagle Lake , TX | 77434 | $94.3M |
| East Bernard Branch | East Bernard , TX | 77435 | $28.6M |
| Columbus Branch | Columbus , TX | 78934 | $24.8M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- June 26, 1991, OCC: Formal Agreement: First National Bank of Eagle Lake, The
- Period: Most recent institution action June 26, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 327 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $119K approved, $119K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (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 The First National Bank of Eagle Lake
What are The First National Bank of Eagle Lake's total assets?
As of the Q2 2026 filing, The First National Bank of Eagle Lake reported total assets of $167.7 million in its FFIEC call report.
Where is The First National Bank of Eagle Lake headquartered?
It is headquartered in Eagle Lake, TX, United States.
When was The First National Bank of Eagle Lake founded?
It was established in 1904, per the FDIC institution directory.
Is The First National Bank of Eagle Lake FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3179). 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 Eagle Lake?
The First National Bank of Eagle Lake's primary federal regulator is the OCC.
How many branches does The First National Bank of Eagle Lake 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 Eagle Lake's Texas Ratio?
Its Texas Ratio is 11.55% 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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