The First National Bank of Stanton
Also written as FNB of Stanton
BankRegReports is independent of The First National Bank of Stanton and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Stanton is an FDIC-insured commercial bank headquartered in Stanton, TX, established in 1906 (FDIC certificate 5536), and it is supervised by the OCC. At Q2 2026 it reported total assets of $394.9M, down 6.7% from Q2 2025, the 181st largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 40.14% 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
- 5536
- Headquarters
- Stanton, TX
- Established
- 1906
- Total assets, Q2 2026
- $394.9M
- Assets vs Q2 2025
- -6.7%
- CET1 ratio, Q2 2026
- 40.14%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 112307222
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Stanton Q3 2026 call report, filed October 6, 2026 (preliminary)
- Asset rank in state
- 181st of 346 in Texas
Problem loans are rising at The First National Bank of Stanton. Its balance sheet stood at $395 million at June 30, 2026, down 6.7% from a year earlier; it is based in Stanton, Texas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.08% of loans from 0.00% a year earlier. It earns about $2.57 a year on every $100 of assets, about double the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 31 cents to bring in each dollar of revenue, about half the median of 61 cents for banks its size.
Delinquency has appeared in its $29 million commercial and industrial book: 3.69% of those loans are past due or on nonaccrual, against almost none a year earlier. The balance sheet shrank over the year: over the year loans fell 2.3% and deposits fell 9.9%. One more trend to watch: net income for the quarter slipped 11% from a year earlier, to $2.6 million.
As of June 30, 2026, The First National Bank of Stanton reported a CET1 capital ratio of 40.14%, a return on assets of 2.57%, a nonperforming-loan ratio of 1.08% and a Texas ratio of 1.61%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The First National Bank of Stanton is the 181st largest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 4.6% to $394.9M, loans fell 9.8% and deposits fell 5.9%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 28.3% of total loans, followed by non-owner-occupied commercial real estate loans at 23.7%. The FDIC Summary of Deposits lists 2 offices for it, in Stanton, TX and Midland, TX; its Stanton office books 94% of its branch deposits. Judged on its Q2 2026 call report, The First National Bank of Stanton meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 119 North St. Peter, Stanton, TX 79782
- County
- Martin
- Metro Area
- Midland, 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, 1906
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $328.4M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $16K
- Average total assets
- $399.2M
- Average total loans
- $103.5M
- Average interest-bearing deposits
- $107.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5536
- Fed RSSD
- 458665
- Website
- www.fnbstanton.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
The First National Bank of Stanton's total assets moved between a low of $359.0M (Q3 2023) and a high of $436.4M (Q4 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
$394.9M total assets against $423.3M; $329.4M total liabilities against $365.3M.
$98.3M net loans and leases against $100.8M; $328.4M total deposits against $364.4M.
$242.6M securities against $277.3M; $41.3M cash and balances due against $32.7M.
$4.6M total interest income against $4.8M; $712K total interest expense against $772K.
$3.9M net interest income against $4.1M.
$726K total noninterest income against $796K; $1.4M total noninterest expense against $1.3M.
$21K provision for credit losses against $15K.
$2.6M net income against $2.9M.
2.57% return on assets against 2.75%; 4.11% net interest margin against 4.04%.
40.14% CET1 capital ratio against 36.31%; 17.49% tier 1 leverage ratio against 15.51%.
Inside the full The First National Bank of Stanton terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Stanton rankings
Its closest position to the top of a national ranking is 22 of 2,134, for CET1 ratio; its furthest is 2,421 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.44% (Q3 2025) to 2.75% (Q2 2025) and its net interest margin ran from 3.76% (Q1 2025) to 4.18% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 40.14% | 2.57% | 1.08% | 1.61% | 4.11% |
| Q1 2026 | 36.51% | 2.50% | 0.01% | 0.02% | 4.05% |
| Q4 2025 | 35.15% | 2.63% | 0.02% | 0.03% | 4.18% |
| Q3 2025 | 37.34% | 2.44% | 0.06% | 0.09% | 3.86% |
| Q2 2025 | 36.31% | 2.75% | 0.00% | 0.01% | 4.04% |
| Q1 2025 | 34.61% | 2.44% | 0.00% | 0.01% | 3.76% |
| Q4 2024 | 33.34% | 2.63% | 0.00% | 0.01% | 3.82% |
| Q3 2024 | 32.87% | 2.46% | 0.01% | 0.02% | 3.89% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 Stanton | Stanton , TX | 79782 | $309.8M |
| Midland Branch | Midland , TX | 79701 | $18.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 229 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
Add this badge to your website
Free to use. It shows The First National Bank of Stanton’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about The First National Bank of Stanton
What are The First National Bank of Stanton's total assets?
As of the Q2 2026 filing, The First National Bank of Stanton reported total assets of $394.9 million in its FFIEC call report.
Where is The First National Bank of Stanton headquartered?
It is headquartered in Stanton, TX, United States.
When was The First National Bank of Stanton founded?
It was established in 1906, per the FDIC institution directory.
Is The First National Bank of Stanton FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5536). 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 Stanton?
The First National Bank of Stanton's primary federal regulator is the OCC.
What is The First National Bank of Stanton's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 40.14% 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 Stanton operate?
It operates 2 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 Stanton's Texas Ratio?
Its Texas Ratio is 1.61% 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.
Go deeper on The First National Bank of Stanton.
Get an email when The First National Bank of Stanton files its next call report, and benchmark it against any peer you choose.
Unlock The First National Bank of Stanton, freeFree account