The First National Bank of Evant
Also written as FNB of Evant
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Evant is an FDIC-insured commercial bank headquartered in Evant, TX, established in 1912 (FDIC certificate 3190), and it is supervised by the OCC. At Q2 2026 it reported total assets of $199.4M, up 10.9% from Q2 2025, the 254th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.83% 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
- 3190
- Headquarters
- Evant, TX
- Established
- 1912
- Total assets, Q2 2026
- $199.4M
- Assets vs Q2 2025
- +10.9%
- Tier 1 leverage ratio, Q2 2026
- 9.83%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 111914878
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Evant Q3 2026 call report, filed October 22, 2026 (preliminary)
- Asset rank in state
- 254th of 346 in Texas
The First National Bank of Evant is one of the more profitable banks of its size. It reported $199 million in assets at June 30, 2026, up 10.9% from a year earlier. It earns about $2.35 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 4.67 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents). Much of that comes from cost control: it spends about 52 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $1.1 million, 93% above the same quarter a year earlier. Its $14 million commercial and industrial book is now fully current, after 1.33% of it was past due or on nonaccrual a year earlier. One more trend to watch: problem loans have nearly tripled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.38% of loans, against 0.13% a year earlier.
As of June 30, 2026, The First National Bank of Evant reported a return on assets of 2.35%, a nonperforming-loan ratio of 0.38% and a Texas ratio of 2.58%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, The First National Bank of Evant is the 254th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.3% to $199.4M, loans rose 4.0% and deposits rose 3.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 51.6% of total loans, ahead of commercial and industrial loans at 10.2%. The FDIC Summary of Deposits lists 3 offices for it, in Gatesville, TX, Evant, TX and Oglesby, TX; its Gatesville office books 72% of its branch deposits. On its Q2 2026 call report, The First National Bank of Evant meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 115 N Memory Ln, Evant, TX 76525
- County
- Coryell
- Metro Area
- Killeen-Temple, 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
- October 8, 1912
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $180.4M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $21K
- Average total assets
- $194.3M
- Average total loans
- $131.1M
- Average interest-bearing deposits
- $127.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3190
- Fed RSSD
- 379153
- Website
- www.fnbevant.com →
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 Evant reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The First National Bank of Evant's total assets ran between $161.5M (Q3 2023) and $199.4M (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
$199.4M total assets against $179.8M; $180.9M total liabilities against $164.1M.
$131.9M net loans and leases against $120.6M; $180.4M total deposits against $163.6M.
$40.4M securities against $30.2M; $22.8M cash and balances due against $24.9M.
$2.8M total interest income against $2.5M; $587K total interest expense against $564K.
$2.2M net interest income against $2.0M.
$272K total noninterest income against $278K; $1.3M total noninterest expense against $1.2M.
$33K provision for credit losses against $461K.
$1.1M net income against $593K.
2.35% return on assets against 1.32%; 4.67% net interest margin against 4.53%.
9.83% tier 1 leverage ratio against 9.25%.
Inside the full The First National Bank of Evant terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Evant rankings
Its closest position to the top of a national ranking is 223 of 3,611, for ROA; its furthest is 2,969 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.32% (Q2 2025) to 2.35% (Q2 2026) and its net interest margin ran from 3.87% (Q3 2024) to 4.71% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.83% | 2.35% | 0.38% | 2.58% | 4.67% |
| Q1 2026 | 10.31% | 2.35% | 0.48% | 3.05% | 4.56% |
| Q4 2025 | 9.84% | 2.22% | 0.11% | 0.69% | 4.65% |
| Q3 2025 | 9.78% | 2.32% | 0.14% | 0.91% | 4.71% |
| Q2 2025 | 9.25% | 1.32% | 0.13% | 0.94% | 4.53% |
| Q1 2025 | 9.64% | 1.89% | 0.05% | 0.36% | 4.11% |
| Q4 2024 | 9.14% | 1.76% | 0.03% | 0.24% | 4.03% |
| Q3 2024 | 9.05% | 1.54% | 0.03% | 0.23% | 3.87% |
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 |
|---|---|---|---|
| Gatesville Branch | Gatesville , TX | 76528 | $129.1M |
| The First National Bank of Evant | Evant , TX | 76525 | $35.7M |
| The First National Bank of Evant - Oglesby Branch | Oglesby , TX | 76561 | $15.6M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC)
- July 13, 2004, OCC: Formal Agreement: The First National Bank of Evant
- August 27, 2003, OCC: Formal Agreement: First NB of Evant
- Period: Most recent institution action July 13, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 309 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $1.9M approved, $974K 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
- 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 Evant
What are The First National Bank of Evant's total assets?
As of the Q2 2026 filing, The First National Bank of Evant reported total assets of $199.4 million in its FFIEC call report.
Where is The First National Bank of Evant headquartered?
It is headquartered in Evant, TX, United States.
When was The First National Bank of Evant founded?
It was established in 1912, per the FDIC institution directory.
Is The First National Bank of Evant FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3190). 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 Evant?
The First National Bank of Evant's primary federal regulator is the OCC.
How many branches does The First National Bank of Evant 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 Evant's Texas Ratio?
Its Texas Ratio is 2.58% 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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