The First National Bank of Sonora
Also written as FNB of Sonora
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Sonora is an FDIC-insured commercial bank headquartered in Sonora, TX, supervised by the OCC, with $722.0M in total assets at Q2 2026, up 4.0% from Q2 2025, the 121st largest of 346 banks headquartered in Texas. Its FDIC certificate number is 5531. Its CET1 capital ratio was 9.93% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5531
- Headquarters
- Sonora, TX
- Established
- Not reported
- Total assets, Q2 2026
- $722.0M
- Assets vs Q2 2025
- +4.0%
- CET1 ratio, Q2 2026
- 9.93%
- Domestic offices
- 9 · The First National Bank of Sonora branches FDIC institution directory, current count
- Routing number
- 111313000
- Safety and soundness
- Is The First National Bank of Sonora safe?
- Latest call report
- Q2 2026, FFIEC 041 · The First National Bank of Sonora Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- FIRST SONORA BANCSHARES, INC.
- Asset rank in state
- 121st of 346 in Texas
The First National Bank of Sonora spends more to run itself than most banks of its size. It reported $722 million in assets at June 30, 2026, up 4.0% from a year earlier. It spends about 83 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 61 cents). It also holds common equity equal to 9.93% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.11%).
Loans are outrunning deposits: over the year loans rose 23.0% and deposits rose 0.8%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.40% of loans, down from 2.02% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.3 times its capital, about triple the median of 1.2 times for banks its size.
As of June 30, 2026, The First National Bank of Sonora reported a CET1 capital ratio of 9.93%, a return on assets of 0.49%, a nonperforming-loan ratio of 1.40% and a Texas ratio of 24.14%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The First National Bank of Sonora is the 121st largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets rose 2.4% to $722.0M, loans rose 4.6% and deposits rose 2.7%. 1-4 family residential loans made up 29.5% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 21.5%. Its 9 offices in the FDIC Summary of Deposits are in 7 cities in TX; its San Angelo 2 offices book 48% of its branch deposits. Judged on its Q2 2026 call report, The First National Bank of Sonora meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 102 E Main St, Sonora, TX 76950
- County
- Sutton
- 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
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 111
- Domestic deposits
- $640.7M
- Allowance for credit losses
- $4.9M
- Net charge-offs (YTD)
- $91K
- Average total assets
- $714.2M
- Average total loans
- $519.2M
- Average interest-bearing deposits
- $436.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5531
- Fed RSSD
- 591366
- Website
- www.sonorabank.com →
- Parent Holding Company
- FIRST SONORA BANCSHARES, INC. (RSSD 2184333)
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 Sonora's total assets moved between a low of $611.2M (Q2 2024) and a high of $722.0M (Q2 2026) 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
$722.0M total assets against $694.3M; $668.8M total liabilities against $644.8M.
$531.2M net loans and leases against $431.0M; $640.7M total deposits against $635.8M.
$67.9M securities against $65.0M; $54.2M cash and balances due against $133.9M.
$10.5M total interest income against $9.8M; $3.0M total interest expense against $3.5M.
$7.5M net interest income against $6.3M.
$339K total noninterest income against $841K; $6.5M total noninterest expense against $6.0M.
$450K provision for credit losses against $0.
$882K net income against $1.2M.
0.49% return on assets against 0.71%; 4.68% net interest margin against 4.10%.
9.93% CET1 capital ratio against 11.76%; 8.00% tier 1 leverage ratio against 7.76%.
Inside the full The First National Bank of Sonora terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
The First National Bank of Sonora rankings
Its closest position to the top of a national ranking is 109 of 3,640, for Texas Ratio; its furthest is 2,104 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.49% (Q2 2026) to 1.26% (Q3 2025) and its net interest margin ran from 4.10% (Q2 2025) to 4.88% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.93% | 0.49% | 1.40% | 24.14% | 4.68% |
| Q1 2026 | 10.54% | 0.65% | 2.56% | 34.40% | 4.88% |
| Q4 2025 | 10.53% | 0.81% | 1.57% | 24.36% | 4.67% |
| Q3 2025 | 10.86% | 1.26% | 1.81% | 21.03% | 4.34% |
| Q2 2025 | 11.76% | 0.71% | 2.02% | 22.67% | 4.10% |
| Q1 2025 | 11.92% | 0.66% | 1.42% | 12.05% | 4.21% |
| Q4 2024 | 12.81% | 0.86% | 1.43% | 11.14% | 4.61% |
| Q3 2024 | 13.26% | 1.21% | 1.08% | 7.85% | 4.65% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| Sonora Bank - Sherwood Way Office | San Angelo , TX | 76901 | $185.7M |
| The First National Bank of Sonora | Sonora , TX | 76950 | $133.9M |
| Sonora Bank - Southland Office | San Angelo , TX | 76904 | $118.9M |
| Boerne East | Boerne , TX | 78006 | $55.4M |
| Sonora Bank - Bulverde Office Branch | Bulverde , TX | 78070 | $46.3M |
| Boerne West Branch | Boerne , TX | 78006 | $42.3M |
| Wimberley Branch | Wimberley , TX | 78676 | $36.0M |
| New Braunfels Branch | New Braunfels , TX | 78130 | $12.8M |
| Hutto Branch | Hutto , TX | 78634 | $9.4M |
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 |
|---|---|---|---|
| April 7, 2011 | M&A | Acquired Argent Trust Company sale_of_assets for the acquired bank | SEC |
| April 7, 2011 | Structure Change | Acquired Argent Trust Company Sale of Assets for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 156 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 91 applications, 87 loans originated, $40.8M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $25K approved, $25K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Sonora
What are The First National Bank of Sonora's total assets?
As of the Q2 2026 filing, The First National Bank of Sonora reported total assets of $722.0 million in its FFIEC call report.
Where is The First National Bank of Sonora headquartered?
It is headquartered in Sonora, TX, United States.
Is The First National Bank of Sonora FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5531). 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 Sonora?
The First National Bank of Sonora's primary federal regulator is the OCC.
What is The First National Bank of Sonora's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.93% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank of Sonora operate?
It operates 9 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 Sonora's Texas Ratio?
Its Texas Ratio is 24.14% 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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