National Bank & Trust: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
National Bank & Trust is an FDIC-insured commercial bank. Total assets stand at $241M. Profitability runs below industry average: 0.63% ROA, 7.88% ROE, with NIM at 3.02%. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.44% exceeds the CBLR threshold. Credit metrics are pristine, with nonperforming loans at just 0.16%. 2 branches make up the footprint.
As of September 30, 2026, National Bank & Trust reported a Tier 1 leverage ratio of 11.44%, a return on assets of 0.63%, a nonperforming-loan ratio of 0.16%, a Texas ratio of 1.13%, per financial data filed with the FFIEC.
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)
- Offices
- 2 domestic
- Employees (FTE)
- 33
- Domestic deposits
- $205.2M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $4K
- Average total assets
- $242.6M
- Average total loans
- $133.9M
- Average interest-bearing deposits
- $151.8M
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through September 30, 2026, as filed. Net income is tagged Q3 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
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.
Inside the full National Bank & Trust terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock National Bank & Trust, 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
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.
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. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| 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% | 0.03% | 0.22% | 2.42% |
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 2 branches →
| 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
What the public regulatory sources show for National Bank & Trust, 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
- 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 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. 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 National Bank & Trust
What are National Bank & Trust's total assets?
As of the Q3 2026 filing, National Bank & Trust reported total assets of $240.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is National Bank & Trust headquartered?
National Bank & Trust is headquartered in La Grange, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was National Bank & Trust founded?
National Bank & Trust was established in 1888, per the FDIC institution directory.
Is National Bank & Trust FDIC-insured?
Yes. National Bank & Trust 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does National Bank & Trust operate?
National Bank & Trust 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?
National Bank & Trust's Texas Ratio is 1.13% in its Q3 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.
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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