The First National Bank of Lipan
Also written as FNB of Lipan
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Lipan is an FDIC-insured commercial bank headquartered in Lipan, TX, established in 1907 (FDIC certificate 3303), and it is supervised by the OCC. At Q2 2026 it reported total assets of $25.9M, down 13.5% from Q2 2025, the 346th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 39.10% 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
- 3303
- Headquarters
- Lipan, TX
- Established
- 1907
- Total assets, Q2 2026
- $25.9M
- Assets vs Q2 2025
- -13.5%
- CET1 ratio, Q2 2026
- 39.10%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 111908758
- Latest call report
- Q2 2026, FFIEC 041 · The First National Bank of Lipan call report
- Asset rank in state
- 346th of 346 in Texas
The First National Bank of Lipan, based in Lipan, Texas, reported $26 million in assets at June 30, 2026, down 13.5% from a year earlier. It pays an average of 0.14% on its deposits and borrowings, a small fraction of the median of 1.53% for the 533 banks with less than $100 million in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.9%).
The balance sheet shrank over the year: over the year loans fell 5.4% and deposits fell 15.5%. Where it has less room is capital: it funds 10.64% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 12.81%).
As of June 30, 2026, The First National Bank of Lipan reported a CET1 capital ratio of 39.10%, a return on assets of 0.82%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The First National Bank of Lipan is the smallest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.9% to $25.9M, loans fell 6.8% and deposits fell 3.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 29.1% of total loans, ahead of other consumer loans at 21.6%. Its one office in the FDIC Summary of Deposits is in Lipan, TX. Judged on its Q2 2026 call report, The First National Bank of Lipan meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 E Lipan Dr, Lipan, TX 76462
- County
- Hood
- Metro Area
- Granbury, 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 041
- Established
- January 1, 1907
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 6
- Domestic deposits
- $23.1M
- Allowance for credit losses
- $89K
- Net charge-offs (YTD)
- $0
- Average total assets
- $26.5M
- Average total loans
- $7.6M
- Average interest-bearing deposits
- $9.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3303
- Fed RSSD
- 811457
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 Lipan's total assets moved between a low of $25.9M (Q2 2026) and a high of $30.0M (Q2 2025) 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
$25.9M total assets against $30.0M; $23.1M total liabilities against $27.4M.
$7.4M net loans and leases against $7.8M; $23.1M total deposits against $27.4M.
$3.3M securities against $6.0M; $14.9M cash and balances due against $15.8M.
$247K total interest income against $244K; $8K total interest expense against $5K.
$239K net interest income against $239K.
$33K total noninterest income against $26K; $208K total noninterest expense against $199K.
No provision recorded in the last 12 quarters.
$54K net income against $57K.
0.82% return on assets against 0.87%; 4.36% net interest margin against 4.25%.
39.10% CET1 capital ratio against 31.44%; 10.64% tier 1 leverage ratio against 9.95%.
Inside the full The First National Bank of Lipan terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.36% (Q4 2025) to 0.99% (Q1 2026) and its net interest margin ran from 4.05% (Q3 2024) to 4.36% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 39.10% | 0.82% | 0.00% | 0.00% | 4.36% |
| Q1 2026 | 35.16% | 0.99% | 0.00% | 0.00% | 4.23% |
| Q4 2025 | 35.49% | 0.36% | 0.00% | 0.00% | 4.32% |
| Q3 2025 | 33.26% | 0.83% | 0.00% | 0.00% | 4.22% |
| Q2 2025 | 31.44% | 0.87% | 0.00% | 0.00% | 4.25% |
| Q1 2025 | 33.07% | 0.93% | 0.00% | 0.00% | 4.15% |
| Q4 2024 | 29.30% | 0.53% | 0.00% | 0.00% | 4.20% |
| Q3 2024 | 30.14% | 0.83% | 0.00% | 0.00% | 4.05% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 Lipan | Lipan , TX | 76462 | $23.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 435 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Lipan
What are The First National Bank of Lipan's total assets?
As of the Q2 2026 filing, The First National Bank of Lipan reported total assets of $25.9 million in its FFIEC call report.
Where is The First National Bank of Lipan headquartered?
It is headquartered in Lipan, TX, United States.
When was The First National Bank of Lipan founded?
It was established in 1907, per the FDIC institution directory.
Is The First National Bank of Lipan FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3303). 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 Lipan?
The First National Bank of Lipan's primary federal regulator is the OCC.
What is The First National Bank of Lipan's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 39.10% 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 Lipan operate?
It operates 1 domestic office, 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 Lipan's Texas Ratio?
Its Texas Ratio is 0.00% 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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