National Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
National Bank & Trust is an FDIC-insured commercial bank headquartered in La Grange, TX, established in 1888 (FDIC certificate 3289), and it is supervised by the OCC. At Q2 2026 it reported total assets of $242.0M, up 6.2% from Q2 2025, the 237th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.83% 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
- 3289
- Headquarters
- La Grange, TX
- Established
- 1888
- Total assets, Q2 2026
- $242.0M
- Assets vs Q2 2025
- +6.2%
- Tier 1 leverage ratio, Q2 2026
- 10.83%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 113104534
- Latest call report
- Q2 2026, FFIEC 051 · National Bank & Trust call report
- Holding company
- FIRST LA GRANGE BANCSHARES, INC.
- Asset rank in state
- 237th of 346 in Texas
National Bank & Trust, based in La Grange, Texas, reported $242 million in assets at June 30, 2026, up 6.2% from a year earlier. It keeps 2.98 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also earns about $0.46 a year on every $100 of assets, about a third the median of $1.28 for banks its size.
Deposits are coming in faster than loans: over the year loans rose 1.9% and deposits rose 9.7%. Paper losses on its bond portfolio are shrinking: unrealized losses of $6.7 million equal 25% of Tier 1 capital, down from 34% a year earlier. Costs are the weak spot: it spends about 79 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, National Bank & Trust reported a return on assets of 0.46%, a nonperforming-loan ratio of 0.17% and a Texas ratio of 1.03%. The figures come from its call report filed with the FFIEC.
National Bank & Trust ranks as the 237th largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.5% to $242.0M, loans fell 1.0% and deposits fell 0.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 30.4% of total loans, followed by construction and land development loans at 25.6%. Its 2 offices in the FDIC Summary of Deposits are in La Grange, TX and Corpus Christi, TX; its La Grange office books 97% of its branch deposits. By the capital ratios in its Q2 2026 call report, National Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 141 W Colorado St, La Grange, TX 78945
- County
- Fayette
- 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
- July 5, 1888
- Former names
- The First National Bank (1998); The First National Bank of La Grange (1970-1998)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 33
- Domestic deposits
- $203.5M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $5K
- Average total assets
- $252.7M
- Average total loans
- $135.7M
- Average interest-bearing deposits
- $156.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3289
- Fed RSSD
- 792659
- Website
- www.nbt-texas.com →
- Parent Holding Company
- FIRST LA GRANGE BANCSHARES, INC. (RSSD 2454504)
- Ultimate Parent
- RSSD 3685109
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, National Bank & Trust 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, National Bank & Trust's total assets ran between $214.0M (Q4 2024) and $245.6M (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
$242.0M total assets against $227.8M; $221.3M total liabilities against $210.1M.
$132.7M net loans and leases against $130.3M; $203.5M total deposits against $185.5M.
$86.1M securities against $74.7M; $12.0M cash and balances due against $12.5M.
$3.0M total interest income against $2.7M; $1.3M total interest expense against $1.2M.
$1.7M net interest income against $1.5M.
$222K total noninterest income against $201K; $1.6M total noninterest expense against $1.4M.
$84K provision for credit losses against $61K.
$289K net income against $279K.
0.46% return on assets against 0.47%; 2.98% net interest margin against 2.78%.
10.83% tier 1 leverage ratio against 11.21%.
Inside the full National Bank & Trust 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 are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
National Bank & Trust rankings
Its closest position to the top of a national ranking is 2,748 of 4,196, for total assets; its furthest is 3,285 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.20% (Q1 2025) to 0.70% (Q4 2025) and its net interest margin ran from 2.42% (Q3 2024) to 2.98% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.83% | 0.46% | 0.17% | 1.03% | 2.98% |
| Q1 2026 | 10.88% | 0.37% | 0.17% | 1.06% | 2.71% |
| Q4 2025 | 11.34% | 0.70% | 0.18% | 1.10% | 2.88% |
| Q3 2025 | 11.77% | 0.66% | 0.22% | 1.31% | 2.83% |
| Q2 2025 | 11.21% | 0.47% | 0.22% | 1.50% | 2.78% |
| Q1 2025 | 12.19% | 0.20% | 0.03% | 0.18% | 2.67% |
| Q4 2024 | 12.87% | 0.56% | 0.03% | 0.19% | 2.61% |
| Q3 2024 | 12.37% | 0.22% | 0.04% | 0.22% | 2.42% |
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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 |
|---|---|---|---|
| National Bank & Trust (main office) | La Grange , TX | 78945 | $196.8M |
| National Bank & Trust Branch | Corpus Christi , TX | 78411 | $6.6M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- March 6, 2000, OCC: Formal Agreement: National Bank And Trust
- Period: Most recent institution action March 6, 2000. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 292 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $52K approved, $52K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (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 National Bank & Trust
What are National Bank & Trust's total assets?
As of the Q2 2026 filing, National Bank & Trust reported total assets of $242.0 million in its FFIEC call report.
Where is National Bank & Trust headquartered?
It is headquartered in La Grange, TX, United States.
When was National Bank & Trust founded?
It was established in 1888, per the FDIC institution directory.
Is National Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3289). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates National Bank & Trust?
National Bank & Trust's primary federal regulator is the OCC.
How many branches does National Bank & Trust 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 National Bank & Trust's Texas Ratio?
Its Texas Ratio is 1.03% 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.
What was National Bank & Trust previously called?
The charter now named National Bank & Trust has also operated as The First National Bank (1998), The First National Bank of La Grange (1970-1998), per FDIC structure-change records.
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