First National Bank of Eagle Lake, the
Asset quality shifted last quarter — NPLs fell to 2.38% from 3.07% in the prior period. Operating from Eagle Lake, TX, First National Bank of Eagle Lake, the serves its local market as an FDIC-insured commercial bank. First National Bank of Eagle Lake, the's Q1 2026 balance sheet shows $171M in assets funded primarily by $151M in customer deposits. Profitability is strong — 1.37% ROA, paired with 12.54% ROE and a 4.72% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.35% exceeds the 9% CBLR threshold. Credit conditions bear watching: 2.38% NPL ratio with a 11.34% Texas Ratio (elevated but below the 100% concern level). 3 branches make up the footprint.
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
- Fed District
- 13
- Established
- December 30, 1904
- Branches
- 3 domestic
- Employees (FTE)
- 27
- FDIC Cert
- 3179
- Fed RSSD
- 651952
- Website
- www.fnbeaglelake.bank →
- Parent Holding Company
- EAGLE LAKE BANCSHARES, INC. (RSSD 2723648)
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First National Bank of Eagle Lake, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about First National Bank of Eagle Lake, the
What are First National Bank of Eagle Lake, the's total assets?
As of the Q1 2026 filing, First National Bank of Eagle Lake, the reported total assets of $170.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank of Eagle Lake, the headquartered?
First National Bank of Eagle Lake, the is headquartered in EAGLE LAKE, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First National Bank of Eagle Lake, the founded?
First National Bank of Eagle Lake, the was established in 1904, per the FDIC institution directory.
Is First National Bank of Eagle Lake, the FDIC-insured?
Yes. First National Bank of Eagle Lake, the 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 First National Bank of Eagle Lake, the?
First National Bank of Eagle Lake, the's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does First National Bank of Eagle Lake, the operate?
First National Bank of Eagle Lake, the operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First National Bank of Eagle Lake, the's Texas Ratio?
First National Bank of Eagle Lake, the's Texas Ratio is 11.34% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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