The First National Bank of Tom Bean
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Tom Bean is an FDIC-insured commercial bank headquartered in Tom Bean, TX, established in 1906 (FDIC certificate 5557), and it is supervised by the OCC. At Q2 2026 it reported total assets of $155.6M, up 8.3% from Q2 2025, the 276th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.15% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5557
- Headquarters
- Tom Bean, TX
- Established
- 1906
- Total assets, Q2 2026
- $155.6M
- Assets vs Q2 2025
- +8.3%
- Tier 1 leverage ratio, Q2 2026
- 12.15%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 111913248
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Tom Bean call report
- Holding company
- TOM BEAN BANK HOLDING COMPANY
- Asset rank in state
- 276th of 346 in Texas
The First National Bank of Tom Bean earns an unusually wide margin on its lending. It reported $156 million in assets at June 30, 2026, up 8.3% from a year earlier. It keeps 5.64 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also holds commercial real estate loans equal to only 44% of its capital, about a third the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $454,000, 64% above the same quarter a year earlier. The commercial and industrial book ($18 million) is worsening: 8.90% of it is past due or on nonaccrual, up from 6.40% a year earlier. Credit is the area to watch: it carries problem assets equal to 7.6% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, The First National Bank of Tom Bean reported a return on assets of 1.18%, a nonperforming-loan ratio of 1.23% and a Texas ratio of 7.57%. The figures come from its call report filed with the FFIEC.
The First National Bank of Tom Bean ranks as the 276th 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 rose 5.7% to $155.6M, loans rose 7.0% and deposits rose 6.1%. 1-4 family residential loans made up 37.4% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 15.2%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities across 2 states; its Tom Bean office books 42% of its branch deposits. Judged on its Q2 2026 call report, The First National Bank of Tom Bean meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 109 S Britton St, Tom Bean, TX 75489
- County
- Grayson
- Metro Area
- Sherman-Denison, 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 051
- Established
- September 22, 1906
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $135.7M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $233K
- Average total assets
- $153.8M
- Average total loans
- $125.5M
- Average interest-bearing deposits
- $104.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5557
- Fed RSSD
- 193162
- Website
- www.fnbtb.com →
- Parent Holding Company
- TOM BEAN BANK HOLDING COMPANY (RSSD 5903209)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The First National Bank of Tom Bean reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The First National Bank of Tom Bean's total assets ran between $134.2M (Q4 2023) and $155.6M (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
$155.6M total assets against $143.7M; $136.9M total liabilities against $127.0M.
$126.5M net loans and leases against $113.0M; $135.7M total deposits against $125.6M.
$5.0M securities against $4.4M; $17.8M cash and balances due against $20.3M.
$2.8M total interest income against $2.6M; $717K total interest expense against $758K.
$2.1M net interest income against $1.8M.
$138K total noninterest income against $190K; $1.4M total noninterest expense against $1.4M.
$206K provision for credit losses against $171K.
$454K net income against $276K.
1.18% return on assets against 0.77%; 5.64% net interest margin against 5.37%.
12.15% tier 1 leverage ratio against 11.63%.
Inside the full The First National Bank of Tom Bean terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Tom Bean rankings
Its closest position to the top of a national ranking is 881 of 3,640, for Texas Ratio; its furthest is 3,249 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.77% (Q2 2025) to 3.09% (Q4 2025) and its net interest margin ran from 4.88% (Q3 2024) to 6.29% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.15% | 1.18% | 1.23% | 7.57% | 5.64% |
| Q1 2026 | 12.35% | 0.92% | 1.15% | 7.22% | 5.38% |
| Q4 2025 | 12.11% | 3.09% | 1.33% | 8.37% | 6.29% |
| Q3 2025 | 11.50% | 1.21% | 1.12% | 7.45% | 5.46% |
| Q2 2025 | 11.63% | 0.77% | 1.44% | 9.44% | 5.37% |
| Q1 2025 | 11.46% | 1.30% | 0.52% | 3.70% | 5.40% |
| Q4 2024 | 11.13% | 0.95% | 0.18% | 2.17% | 4.88% |
| Q3 2024 | 10.99% | 0.85% | 0.18% | 2.21% | 4.88% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 Tom Bean | Tom Bean , TX | 75489 | $56.9M |
| Clarksville Branch | Clarksville , TX | 75426 | $41.7M |
| Hope Branch | Hope , AR | 71801 | $25.8M |
| Lewisville Branch | Lewisville , AR | 71845 | $11.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action December 4, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 370 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 9 loans, $8.4M approved, $937K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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
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Frequently asked about The First National Bank of Tom Bean
What are The First National Bank of Tom Bean's total assets?
As of the Q2 2026 filing, The First National Bank of Tom Bean reported total assets of $155.6 million in its FFIEC call report.
Where is The First National Bank of Tom Bean headquartered?
It is headquartered in Tom Bean, TX, United States.
When was The First National Bank of Tom Bean founded?
It was established in 1906, per the FDIC institution directory.
Is The First National Bank of Tom Bean FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5557). 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 Tom Bean?
The First National Bank of Tom Bean's primary federal regulator is the OCC.
How many branches does The First National Bank of Tom Bean operate?
It operates 4 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 Tom Bean's Texas Ratio?
Its Texas Ratio is 7.57% 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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