First National Bank of Huntsville
Also written as FNB of Huntsville
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Huntsville is an FDIC-insured commercial bank headquartered in Huntsville, TX, supervised by the OCC, with $584.9M in total assets at Q2 2026, up 5.6% from Q2 2025, the 143rd largest of 346 banks headquartered in Texas. It was established in 1890 and holds FDIC certificate 3269. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.29% 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
- 3269
- Headquarters
- Huntsville, TX
- Established
- 1890
- Total assets, Q2 2026
- $584.9M
- Assets vs Q2 2025
- +5.6%
- Tier 1 leverage ratio, Q2 2026
- 13.29%
- Domestic offices
- 5 · First National Bank of Huntsville branches FDIC institution directory, current count
- Routing number
- 113104000
- Safety and soundness
- Is First National Bank of Huntsville safe?
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Huntsville Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- FIRST NATIONAL BANCSHARES OF HUNTSVILLE, INC.
- Asset rank in state
- 143rd of 346 in Texas
First National Bank of Huntsville, based in Huntsville, Texas, reported $585 million in assets at June 30, 2026, up 5.6% from a year earlier. It pays an average of 1.14% on its deposits and borrowings, lower than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 1.80%). It also carries problem assets equal to 0.4% of the capital and reserves that would absorb them, a small fraction of the median of 2.7% for banks its size.
As of June 30, 2026, First National Bank of Huntsville reported a return on assets of 1.83%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.36%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First National Bank of Huntsville is the 143rd largest of the 346 banks headquartered in Texas. From Q1 2026 to Q2 2026, its total assets fell 0.3% to $584.9M, loans rose 2.5% and deposits fell 0.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 35.4% of total loans, followed by construction and land development loans at 16.8%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in TX; its Huntsville office books 66% of its branch deposits. By the capital ratios in its Q2 2026 call report, First National Bank of Huntsville meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1300 11th St, Huntsville, TX 77340
- County
- Walker
- Metro Area
- Huntsville, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1890
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 100
- Domestic deposits
- $501.6M
- Allowance for credit losses
- $6.8M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $579.7M
- Average total loans
- $351.0M
- Average interest-bearing deposits
- $307.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3269
- Fed RSSD
- 583352
- Website
- www.fnbhuntsvilletx.bank →
- Parent Holding Company
- FIRST NATIONAL BANCSHARES OF HUNTSVILLE, INC. (RSSD 3018958)
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, First National Bank of Huntsville reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First National Bank of Huntsville's total assets ranged from $525.5M (Q2 2024) to $588.8M (Q4 2025), 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
$584.9M total assets against $554.1M; $504.5M total liabilities against $478.3M.
$349.4M net loans and leases against $340.2M; $501.6M total deposits against $474.8M.
$151.4M securities against $142.1M; $62.9M cash and balances due against $50.7M.
$7.7M total interest income against $7.3M; $1.4M total interest expense against $1.4M.
$6.2M net interest income against $5.9M.
$1.2M total noninterest income against $1.1M; $4.0M total noninterest expense against $3.8M.
$45K provision for credit losses against $45K.
$2.7M net income against $2.5M.
1.83% return on assets against 1.83%; 4.44% net interest margin against 4.45%.
13.29% tier 1 leverage ratio against 13.18%.
Inside the full First National Bank of Huntsville terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank of Huntsville rankings
Its closest position to the top of a national ranking is 700 of 3,611, for ROA; its furthest is 3,044 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.53% (Q3 2024) to 2.10% (Q3 2025) and its net interest margin ran from 3.95% (Q3 2024) to 4.51% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.29% | 1.83% | 0.05% | 0.36% | 4.44% |
| Q1 2026 | 12.67% | 1.67% | 0.07% | 0.43% | 4.16% |
| Q4 2025 | 12.67% | 1.86% | 0.06% | 0.31% | 4.35% |
| Q3 2025 | 13.46% | 2.10% | 0.09% | 0.45% | 4.51% |
| Q2 2025 | 13.18% | 1.83% | 0.10% | 1.05% | 4.45% |
| Q1 2025 | 12.80% | 1.59% | 0.17% | 0.72% | 4.14% |
| Q4 2024 | 12.54% | 1.78% | 0.19% | 0.84% | 4.16% |
| Q3 2024 | 13.01% | 1.53% | 0.12% | 0.47% | 3.95% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 Huntsville (main office) | Huntsville , TX | 77340 | $329.3M |
| The National Bank of MadisonvilleBr | Madisonville , TX | 77864 | $72.0M |
| 617 East Houston Street Branch | Crockett , TX | 75835 | $57.7M |
| Robertson County Bank Branch | Franklin , TX | 77856 | $25.5M |
| Brazos County Bank Branch | Bryan , TX | 77802 | $17.1M |
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 |
|---|---|---|---|
| October 16, 2004 | Structure Change | Acquired The National Bank of Madisonville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 15, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1997 | Structure Change | Acquired The Crockett State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1988 | Structure Change | Acquired First National Bank-South 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 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 1 against individuals associated with it
- June 29, 1990, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): First National Bank Of Hunstville
- Period: Most recent institution action June 29, 1990. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 186 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 185 applications, 163 loans originated, $36.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $139K approved, $139K average. 0.00% 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
- 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 Huntsville
What are First National Bank of Huntsville's total assets?
As of the Q2 2026 filing, First National Bank of Huntsville reported total assets of $584.9 million in its FFIEC call report.
Where is First National Bank of Huntsville headquartered?
It is headquartered in Huntsville, TX, United States.
When was First National Bank of Huntsville founded?
It was established in 1890, per the FDIC institution directory.
Is First National Bank of Huntsville FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3269). 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 Huntsville?
First National Bank of Huntsville's primary federal regulator is the OCC.
How many branches does First National Bank of Huntsville operate?
It operates 5 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 Huntsville's Texas Ratio?
Its Texas Ratio is 0.36% 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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