The First National Bank of Sterling City
The First National Bank of Sterling City is an FDIC-insured commercial bank headquartered in Sterling City, TX, supervised by the OCC, with $240.1M in total assets at Q2 2026, up 6.3% from Q2 2025, the 238th largest of 346 banks headquartered in Texas. It was established in 1910 and holds FDIC certificate 5538. Its CET1 capital ratio was 39.60% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as FNB of Sterling City
BankRegReports is independent of The First National Bank of Sterling City and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5538
- Headquarters
- Sterling City, TX
- Established
- 1910
- Total assets, Q2 2026
- $240.1M
- Assets vs Q2 2025
- +6.3%
- CET1 ratio, Q2 2026
- 39.60%
- Domestic offices
- 3 · The First National Bank of Sterling City branches FDIC institution directory, current count
- Routing number
- 111307252
- Safety and soundness
- Is The First National Bank of Sterling City safe?
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Sterling City Q3 2026 call report, filed October 8, 2026 (preliminary)
- Holding company
- STERLING CITY BANCSHARES, INC.
- Asset rank in state
- 238th of 346 in Texas
The First National Bank of Sterling City runs leaner than most banks of its size. Based in Sterling City, Texas, it had $240 million in assets at June 30, 2026, up 6.3% from a year earlier. It spends about 43 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it keeps 2.97 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.96 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $8.0 million equal 27% of Tier 1 capital, down from 40% a year earlier. Net income for the quarter rose 25% from a year earlier, to $1.0 million.
As of June 30, 2026, The First National Bank of Sterling City reported a CET1 capital ratio of 39.60%, a return on assets of 1.59%, 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.
Of the 346 banks headquartered in Texas, The First National Bank of Sterling City is the 238th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 7.3% to $240.1M, loans rose 6.7% and deposits fell 7.9%. 1-4 family residential loans made up 34.8% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 18.6%. Its 3 offices in the FDIC Summary of Deposits are in Sterling City, TX, Garden City, TX and Bronte, TX; its Sterling City office books 47% of its branch deposits. By the capital ratios in its Q2 2026 call report, The First National Bank of Sterling City meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 602 4th St, Sterling City, TX 76951
- County
- Sterling
- 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 051
- Established
- August 2, 1910
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $218.4M
- Allowance for credit losses
- $497K
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $256.1M
- Average total loans
- $44.3M
- Average interest-bearing deposits
- $129.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5538
- Fed RSSD
- 411062
- Website
- www.thefnbsc.com →
- Parent Holding Company
- STERLING CITY BANCSHARES, INC. (RSSD 2940810)
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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. 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
Over the 12 quarters to Q2 2026, The First National Bank of Sterling City's total assets ran between $220.6M (Q3 2023) and $259.1M (Q1 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
$240.1M total assets against $226.0M; $218.6M total liabilities against $210.5M.
$44.9M net loans and leases against $43.6M; $218.4M total deposits against $210.4M.
$188.7M securities against $170.1M; $2.2M cash and balances due against $8.4M.
$2.3M total interest income against $1.9M; $487K total interest expense against $403K.
$1.8M net interest income against $1.5M.
$106K total noninterest income against $108K; $839K total noninterest expense against $824K.
$20K provision for credit losses against $0.
$1.0M net income against $811K.
1.59% return on assets against 1.38%; 2.97% net interest margin against 2.87%.
39.60% CET1 capital ratio against 36.76%; 11.62% tier 1 leverage ratio against 11.42%.
Inside the full The First National Bank of Sterling City terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Sterling City rankings
Its closest position to the top of a national ranking is 26 of 2,134, for CET1 ratio; its furthest is 3,343 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.17% (Q3 2024) to 1.61% (Q1 2026) and its net interest margin ran from 2.54% (Q3 2024) to 2.97% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 39.60% | 1.59% | 0.00% | 0.00% | 2.97% |
| Q1 2026 | 38.06% | 1.61% | 0.00% | 0.00% | 2.93% |
| Q4 2025 | 39.17% | 1.46% | 0.00% | 0.00% | 2.96% |
| Q3 2025 | 36.92% | 1.49% | 0.00% | 0.00% | 2.92% |
| Q2 2025 | 36.76% | 1.38% | 0.00% | 0.00% | 2.87% |
| Q1 2025 | 35.35% | 1.31% | 0.00% | 0.00% | 2.77% |
| Q4 2024 | 37.10% | 1.25% | 0.00% | 0.00% | 2.79% |
| Q3 2024 | 37.08% | 1.17% | 0.00% | 0.00% | 2.54% |
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 |
|---|---|---|---|
| The First National Bank of Sterling City | Sterling City , TX | 76951 | $102.9M |
| Glasscock County Branch | Garden City , TX | 79739 | $93.5M |
| Bronte Branch | Bronte , TX | 76933 | $22.0M |
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 |
|---|---|---|---|
| March 22, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 22, 2008 | Structure Change | Acquired First National Bank in Bronte 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 286 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $250K approved, $250K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Sterling City’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about The First National Bank of Sterling City
What are The First National Bank of Sterling City's total assets?
As of the Q2 2026 filing, The First National Bank of Sterling City reported total assets of $240.1 million in its FFIEC call report.
Where is The First National Bank of Sterling City headquartered?
It is headquartered in Sterling City, TX, United States.
When was The First National Bank of Sterling City founded?
It was established in 1910, per the FDIC institution directory.
Is The First National Bank of Sterling City FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5538). 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 Sterling City?
The First National Bank of Sterling City's primary federal regulator is the OCC.
What is The First National Bank of Sterling City's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 39.60% 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 Sterling City 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 Sterling City'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.
Go deeper on The First National Bank of Sterling City.
Get an email when The First National Bank of Sterling City files its next call report, and benchmark it against any peer you choose.
Unlock The First National Bank of Sterling City, freeFree account