The First National Bank of Mertzon
Also written as FNB of Mertzon
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Mertzon is an FDIC-insured commercial bank headquartered in Mertzon, TX, established in 1910 (FDIC certificate 3339), and it is supervised by the OCC. At Q2 2026 it reported total assets of $500.3M, down 7.3% from Q2 2025, the 162nd largest of 346 banks headquartered in Texas.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3339
- Headquarters
- Mertzon, TX
- Established
- 1910
- Total assets, Q2 2026
- $500.3M
- Assets vs Q2 2025
- -7.3%
- Capital ratio
- Not reported
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 111311785
- Latest call report
- Q2 2026, FFIEC 041 · The First National Bank of Mertzon Q3 2026 call report, filed October 21, 2026 (preliminary)
- Asset rank in state
- 162nd of 346 in Texas
The First National Bank of Mertzon runs leaner than most banks of its size. Based in Mertzon, Texas, it had $500 million in assets at June 30, 2026, down 7.3% from a year earlier. It spends about 29 cents to bring in each dollar of revenue, about half the median of 61 cents for the 2,627 banks with $100 million to $1 billion in assets. It also pays an average of 0.62% on its deposits and borrowings, about a third the median of 1.80% for banks its size.
Net income for the quarter slipped 20% from a year earlier, to $2.3 million. Over the same year, loans grew 22.7% and deposits shrank 10.1%. Its margin is thin by comparison: it keeps 3.39 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.96 cents).
As of June 30, 2026, The First National Bank of Mertzon reported a CET1 capital ratio of 76.85%, a return on assets of 1.83%, 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.
The First National Bank of Mertzon ranks as the 162nd largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.9% to $500.3M, loans rose 13.0% and deposits fell 1.5%. Non-owner-occupied commercial real estate loans made up 22.6% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 21.7%. Its 3 offices in the FDIC Summary of Deposits are in San Angelo, TX and Mertzon, TX; its San Angelo 2 offices book 55% of its branch deposits. By the capital ratios in its Q2 2026 call report, The First National Bank of Mertzon meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 106 S Broadway St Ave, Mertzon, TX 76941
- County
- Irion
- Metro Area
- San Angelo, 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, 1910
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $420.2M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $501.1M
- Average total loans
- $81.5M
- Average interest-bearing deposits
- $297.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3339
- Fed RSSD
- 500256
- Website
- www.fnbmertzon.com →
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
From Q3 2023 to Q2 2026, The First National Bank of Mertzon's total assets ranged from $487.1M (Q4 2025) to $554.3M (Q1 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
$500.3M total assets against $539.7M; $421.4M total liabilities against $468.8M.
$89.5M net loans and leases against $72.6M; $420.2M total deposits against $467.7M.
$287.3M securities against $259.5M; $119.7M cash and balances due against $203.7M.
$4.8M total interest income against $5.4M; $662K total interest expense against $626K.
$4.1M net interest income against $4.8M.
$111K total noninterest income against $101K; $1.2M total noninterest expense against $1.2M.
$110K provision for credit losses against $0.
$2.3M net income against $2.8M.
1.83% return on assets against 2.07%; 3.39% net interest margin against 3.53%.
76.85% CET1 capital ratio against 85.43%; 15.75% tier 1 leverage ratio against 12.87%.
Inside the full The First National Bank of Mertzon terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Mertzon rankings
Its closest position to the top of a national ranking is 39 of 3,606, for efficiency ratio; its furthest is 3,412 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.62% (Q1 2026) to 2.10% (Q3 2024) and its net interest margin ran from 3.07% (Q1 2026) to 3.57% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 76.85% | 1.83% | 0.00% | 0.00% | 3.39% |
| Q1 2026 | 84.55% | 1.62% | 0.00% | 0.00% | 3.07% |
| Q4 2025 | 90.37% | 1.64% | 0.00% | 0.00% | 3.49% |
| Q3 2025 | 89.00% | 1.91% | 0.14% | 0.14% | 3.32% |
| Q2 2025 | 85.43% | 2.07% | 0.00% | 0.00% | 3.53% |
| Q1 2025 | 88.64% | 1.84% | 0.00% | 0.00% | 3.17% |
| Q4 2024 | 84.40% | 1.80% | 0.00% | 0.00% | 3.57% |
| Q3 2024 | 83.98% | 2.10% | 0.08% | 0.09% | 3.48% |
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 |
|---|---|---|---|
| Tom Green Branch | San Angelo , TX | 76903 | $229.4M |
| The First National Bank of Mertzon | Mertzon , TX | 76941 | $190.8M |
| First National Bank of Mertzon | San Angelo , TX | 76904 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 204 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 Mertzon
What are The First National Bank of Mertzon's total assets?
As of the Q2 2026 filing, The First National Bank of Mertzon reported total assets of $500.3 million in its FFIEC call report.
Where is The First National Bank of Mertzon headquartered?
It is headquartered in Mertzon, TX, United States.
When was The First National Bank of Mertzon founded?
It was established in 1910, per the FDIC institution directory.
Is The First National Bank of Mertzon FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3339). 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 Mertzon?
The First National Bank of Mertzon's primary federal regulator is the OCC.
What is The First National Bank of Mertzon's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 76.85% 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 Mertzon 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 Mertzon'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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