The First National Bank of Hughes Springs
Also written as FNB of Hughes Springs
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Hughes Springs is an FDIC-insured commercial bank headquartered in Hughes Springs, TX, established in 1903 (FDIC certificate 3268), and it is supervised by the OCC. At Q2 2026 it reported total assets of $319.5M, down 0.5% from Q2 2025, the 205th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 17.08% 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
- 3268
- Headquarters
- Hughes Springs, TX
- Established
- 1903
- Total assets, Q2 2026
- $319.5M
- Assets vs Q2 2025
- -0.5%
- CET1 ratio, Q2 2026
- 17.08%
- Domestic offices
- 17 FDIC institution directory, current count
- Routing number
- 111911033
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Hughes Springs Q3 2026 call report, filed October 13, 2026 (preliminary)
- Holding company
- CHALYBEATE SPRINGS CORPORATION
- Asset rank in state
- 205th of 346 in Texas
The First National Bank of Hughes Springs earns an unusually wide margin on its lending. The Hughes Springs, Texas bank had $320 million in assets at June 30, 2026. It keeps 6.43 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also pays an average of 0.27% on its deposits and borrowings, a small fraction of the median of 1.80% for banks its size.
Its $28 million commercial and industrial book is improving, with 3.65% past due or on nonaccrual, down from 8.48% a year earlier. Earnings fell sharply: quarterly net income of $1.6 million was 37% below a year earlier. Credit is the area to watch: it carries problem assets equal to 13.2% of the capital and reserves that would absorb them, 5.0 times the median of 2.7% for banks its size.
As of June 30, 2026, The First National Bank of Hughes Springs reported a CET1 capital ratio of 17.08%, a return on assets of 1.97%, a nonperforming-loan ratio of 2.23% and a Texas ratio of 13.20%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, The First National Bank of Hughes Springs is the 205th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.6% to $319.5M, loans fell 0.2% and deposits fell 1.3%. 1-4 family residential loans made up 34.1% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 13.6%. The FDIC Summary of Deposits lists 17 offices for it, in 17 cities in TX; its Hughes Springs office books 27% of its branch deposits. On its Q2 2026 call report, The First National Bank of Hughes Springs meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 505 E 1st, Hughes Springs, TX 75656
- County
- Cass
- 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
- June 3, 1903
- Domestic offices
- 17 FDIC institution directory, current count
- Employees (FTE)
- 109
- Domestic deposits
- $283.1M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- $30K
- Average total assets
- $324.3M
- Average total loans
- $211.2M
- Average interest-bearing deposits
- $95.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3268
- Fed RSSD
- 849357
- Website
- WWW.FNBHS.COM →
- Parent Holding Company
- CHALYBEATE SPRINGS CORPORATION (RSSD 1838068)
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
The First National Bank of Hughes Springs's total assets moved between a low of $302.3M (Q3 2024) and a high of $324.7M (Q1 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
$319.5M total assets against $321.2M; $283.9M total liabilities against $285.3M.
$205.6M net loans and leases against $222.4M; $283.1M total deposits against $284.6M.
$31.0M securities against $25.8M; $63.6M cash and balances due against $52.8M.
$4.9M total interest income against $5.0M; $172K total interest expense against $169K.
$4.7M net interest income against $4.8M.
-$155K total noninterest income against $623K; $3.2M total noninterest expense against $2.9M.
-$195K provision for credit losses against -$2K.
$1.6M net income against $2.5M.
1.97% return on assets against 3.21%; 6.43% net interest margin against 6.76%.
17.08% CET1 capital ratio against 16.41%; 11.04% tier 1 leverage ratio against 11.76%.
Inside the full The First National Bank of Hughes Springs terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Hughes Springs rankings
Its closest position to the top of a national ranking is 402 of 3,640, for Texas Ratio; its furthest is 2,575 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.01% (Q3 2025) to 3.21% (Q2 2025) and its net interest margin ran from 6.43% (Q2 2026) to 7.18% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.08% | 1.97% | 2.23% | 13.20% | 6.43% |
| Q1 2026 | 16.59% | 2.38% | 2.13% | 16.67% | 6.49% |
| Q4 2025 | 15.14% | 2.99% | 1.29% | 12.02% | 6.69% |
| Q3 2025 | 17.12% | 1.01% | 2.14% | 15.40% | 6.88% |
| Q2 2025 | 16.41% | 3.21% | 2.29% | 15.78% | 6.76% |
| Q1 2025 | 15.16% | 3.02% | 1.79% | 11.59% | 6.84% |
| Q4 2024 | 14.28% | 2.93% | 1.72% | 11.49% | 7.18% |
| Q3 2024 | 16.44% | 1.44% | 3.40% | 19.82% | 6.45% |
Swipe the table sideways to see every column.
Branch Network
View all 17 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 Hughes Springs | Hughes Springs , TX | 75656 | $75.3M |
| Atlanta Branch | Atlanta , TX | 75551 | $25.9M |
| Lott Branch | Lott , TX | 76656 | $25.5M |
| Liberty City Branch | Kilgore , TX | 75662 | $22.4M |
| Jefferson Branch | Jefferson , TX | 75657 | $22.1M |
| Tenaha Branch | Tenaha , TX | 75974 | $21.9M |
| Harleton Branch | Harleton , TX | 75651 | $15.9M |
| Marlin Branch | Marlin , TX | 76661 | $14.3M |
| Diana Branch Office | Diana , TX | 75640 | $12.9M |
| Omaha Branch | Omaha , TX | 75571 | $12.7M |
| Daingerfield Branch | Daingerfield , TX | 75638 | $8.5M |
| Bloomburg Branch | Bloomburg , TX | 75556 | $7.7M |
| Troup Branch | Troup , TX | 75789 | $4.9M |
| Winona Branch | Winona , TX | 75792 | $4.4M |
| Redwater Branch | Redwater , TX | 75573 | $4.4M |
| Maud Branch | Maud , TX | 75567 | $3.0M |
| Marshall Office Branch | Marshall , TX | 75670 | $1.2M |
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 |
|---|---|---|---|
| September 10, 2016 | Structure Change | Acquired Bloomburg State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 9, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2014 | Structure Change | Acquired Citizens State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 10, 1999 | Structure Change | Acquired The First National Bank of Jefferson Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 9, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 3, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 3, 1994 | Structure Change | Acquired The First National Bank of Atlanta Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 15, 1990 | Structure Change | Acquired The State Bank of Omaha, Texas Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 14, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 16, 1990 | Structure Change | Acquired Liberty City State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 15, 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 12 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 246 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $196K approved, $196K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Hughes Springs
What are The First National Bank of Hughes Springs's total assets?
As of the Q2 2026 filing, The First National Bank of Hughes Springs reported total assets of $319.5 million in its FFIEC call report.
Where is The First National Bank of Hughes Springs headquartered?
It is headquartered in Hughes Springs, TX, United States.
When was The First National Bank of Hughes Springs founded?
It was established in 1903, per the FDIC institution directory.
Is The First National Bank of Hughes Springs FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3268). 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 Hughes Springs?
The First National Bank of Hughes Springs's primary federal regulator is the OCC.
What is The First National Bank of Hughes Springs's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.08% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank of Hughes Springs operate?
It operates 17 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 Hughes Springs's Texas Ratio?
Its Texas Ratio is 13.20% 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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