First National Bank of Wauchula
Also written as FNB of Wauchula
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Wauchula is an FDIC-insured commercial bank headquartered in Wauchula, FL, established in 1960 (FDIC certificate 18136), and it is supervised by the OCC. At Q2 2026 it reported total assets of $87.5M, up 2.6% from Q2 2025, the 76th largest of 81 banks headquartered in Florida. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.16% 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
- 18136
- Headquarters
- Wauchula, FL
- Established
- 1960
- Total assets, Q2 2026
- $87.5M
- Assets vs Q2 2025
- +2.6%
- Tier 1 leverage ratio, Q2 2026
- 12.16%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 063106705
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Wauchula Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- FIRST HARDEE HOLDING CORPORATION
- Asset rank in state
- 76th of 81 in Florida
First National Bank of Wauchula earns an unusually wide margin on its lending. The Wauchula, Florida bank had $88 million in assets at June 30, 2026, up 2.6% from a year earlier. It keeps 5.48 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). It also shrank its loan book 11.1% over the year, lower than about 9 in 10 banks its size (median 2.6%).
Earnings fell sharply: quarterly net income of $152,000 was 74% below a year earlier. Over the same year, loans shrank 11.1% and deposits grew 2.2%. Concentration is the risk to watch: it holds commercial real estate loans worth 0.9 times its capital, 3.6 times the median of 26% for banks its size.
As of June 30, 2026, First National Bank of Wauchula reported a return on assets of 0.70%, a nonperforming-loan ratio of 0.80% and a Texas ratio of 4.23%. The figures come from its call report filed with the FFIEC.
Of the 81 banks headquartered in Florida, First National Bank of Wauchula is the 76th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.7% to $87.5M, loans fell 2.3% and deposits fell 1.0%. 1-4 family residential loans made up 55.6% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 9.3%. The FDIC Summary of Deposits lists a single office for it, in Wauchula, FL. By the capital ratios in its Q2 2026 call report, First National Bank of Wauchula meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 406 N 6th Ave, Wauchula, FL 33873
- County
- Hardee
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 12, 1960
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $76.2M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- -$9K
- Average total assets
- $87.3M
- Average total loans
- $58.3M
- Average interest-bearing deposits
- $51.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 12, 1960
- FDIC Cert
- 18136
- Fed RSSD
- 89135
- Website
- www.fnbwauchula.com →
- Parent Holding Company
- FIRST HARDEE HOLDING CORPORATION (RSSD 2376558)
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, First National Bank of Wauchula reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First National Bank of Wauchula's total assets moved between a low of $84.6M (Q3 2025) and a high of $91.2M (Q1 2024) 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
$87.5M total assets against $85.4M; $77.7M total liabilities against $76.3M.
$56.1M net loans and leases against $63.3M; $76.2M total deposits against $74.6M.
$5.3M securities against $5.3M; $21.5M cash and balances due against $12.1M.
$1.3M total interest income against $1.3M; $251K total interest expense against $288K.
$1.1M net interest income against $1.1M.
$89K total noninterest income against $379K; $1.0M total noninterest expense against $852K.
$0 provision for credit losses against $0.
$152K net income against $585K.
0.70% return on assets against 2.70%; 5.48% net interest margin against 5.32%.
12.16% tier 1 leverage ratio against 11.68%.
Inside the full First National Bank of Wauchula terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.58% (Q1 2026) to 2.70% (Q2 2025) and its net interest margin ran from 4.64% (Q3 2024) to 5.63% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.16% | 0.70% | 0.80% | 4.23% | 5.48% |
| Q1 2026 | 12.39% | 0.58% | 1.23% | 6.75% | 5.33% |
| Q4 2025 | 12.32% | 1.78% | 1.22% | 7.26% | 5.47% |
| Q3 2025 | 11.90% | 1.08% | 1.10% | 6.74% | 5.53% |
| Q2 2025 | 11.68% | 2.70% | 1.11% | 7.07% | 5.32% |
| Q1 2025 | 11.48% | 1.12% | 1.11% | 7.38% | 5.23% |
| Q4 2024 | 10.74% | 1.16% | 1.00% | 6.92% | 5.63% |
| Q3 2024 | 11.36% | 1.78% | 0.83% | 5.38% | 4.64% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| First National Bank of Wauchula (main office) | Wauchula , FL | 33873 | $76.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- January 11, 2012, OCC: Formal Agreement: First National Bank of Wauchula
- Period: Most recent institution action January 11, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in FL, rank 154 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $90K approved, $90K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (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 First National Bank of Wauchula
What are First National Bank of Wauchula's total assets?
As of the Q2 2026 filing, First National Bank of Wauchula reported total assets of $87.5 million in its FFIEC call report.
Where is First National Bank of Wauchula headquartered?
It is headquartered in Wauchula, FL, United States.
When was First National Bank of Wauchula founded?
It was established in 1960, per the FDIC institution directory.
Is First National Bank of Wauchula FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18136). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of Wauchula?
First National Bank of Wauchula's primary federal regulator is the OCC.
How many branches does First National Bank of Wauchula operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank of Wauchula's Texas Ratio?
Its Texas Ratio is 4.23% 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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