The First National Bank of Sonora: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs fell to 1.45% from 2.16% in the prior period. The First National Bank of Sonora is an FDIC-insured commercial bank. Profitability runs below industry average: 0.49% ROA, 6.66% ROE, with NIM at 4.68%. The Q2 2026 balance sheet stands at $722M in assets, including $536M in loans. Regulatory capital is solid, 9.93% CET1 and 10.80% total risk-based capital ratio. Credit metrics are in line with industry norms, 1.45% NPL ratio. 9 branches make up the footprint.
As of June 30, 2026, The First National Bank of Sonora reported a CET1 capital ratio of 9.93%, a return on assets of 0.49%, a nonperforming-loan ratio of 1.45%, a Texas ratio of 24.79%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 102 E Main St, Sonora, TX 76950
- County
- Sutton
- 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 041
- Offices
- 9 domestic
- Employees (FTE)
- 111
- Domestic deposits
- $640.7M
- Allowance for credit losses
- $4.9M
- Net charge-offs (YTD)
- $91K
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5531
- Fed RSSD
- 591366
- SEC CIK
- 1495624 → filed by FIRST SONORA BANCSHARES, INC.
- Website
- www.sonorabank.com →
- Parent Holding Company
- FIRST SONORA BANCSHARES, INC. (RSSD 2184333)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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Unlock The First National Bank of Sonora, 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
The First National Bank of Sonora rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for The First National Bank of Sonora: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.93% | 0.49% | 1.45% | 24.79% | 4.68% |
| Q1 2026 | 10.54% | 0.65% | 2.16% | 34.40% | 4.88% |
| Q4 2025 | 10.53% | 0.81% | 1.57% | 24.36% | 4.67% |
| Q3 2025 | 10.86% | 1.26% | 1.77% | 21.03% | 4.34% |
| Q2 2025 | 11.76% | 0.71% | 1.56% | 22.67% | 4.10% |
| Q1 2025 | 11.92% | 0.66% | 1.31% | 12.41% | 4.21% |
| Q4 2024 | 12.81% | 0.86% | 1.43% | 11.18% | 4.61% |
| Q3 2024 | 13.26% | 1.21% | 0.96% | 7.89% | 4.65% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 9 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Sonora Bank - Sherwood Way Office | San Angelo , TX | 76901 | $185.7M |
| The First National Bank of Sonora | Sonora , TX | 76950 | $133.9M |
| Sonora Bank - Southland Office | San Angelo , TX | 76904 | $118.9M |
| Boerne East | Boerne , TX | 78006 | $55.4M |
| Sonora Bank - Bulverde Office Branch | Bulverde , TX | 78070 | $46.3M |
| Boerne West Branch | Boerne , TX | 78006 | $42.3M |
| Wimberley Branch | Wimberley , TX | 78676 | $36.0M |
| New Braunfels Branch | New Braunfels , TX | 78130 | $12.8M |
| Hutto Branch | Hutto , TX | 78634 | $9.4M |
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 |
|---|---|---|---|
| April 7, 2011 | M&A | sale_of_assets | SEC |
| April 7, 2011 | Structure Change | Acquired Argent Trust Company Sale of Assets 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
What the public regulatory sources show for The First National Bank of Sonora, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 156 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 91 applications, 87 loans originated, $40.8M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The First National Bank of Sonora
What are The First National Bank of Sonora's total assets?
As of the Q2 2026 filing, The First National Bank of Sonora reported total assets of $722.0 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The First National Bank of Sonora headquartered?
The First National Bank of Sonora is headquartered in Sonora, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
Is The First National Bank of Sonora FDIC-insured?
Yes. The First National Bank of Sonora is an FDIC-insured commercial bank (FDIC Certificate #5531). 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 Sonora?
The First National Bank of Sonora's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The First National Bank of Sonora's CET1 capital ratio?
The First National Bank of Sonora reported a Common Equity Tier 1 (CET1) capital ratio of 9.93% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank of Sonora operate?
The First National Bank of Sonora operates 9 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 Sonora's Texas Ratio?
The First National Bank of Sonora's Texas Ratio is 24.79% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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