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First National Bank
Rotan, TX · FDIC Certificate #34455 · Chartered 04/0
Total assets
$96.49M
Total deposits
$90.40M
Total equity
$5.83M
Net loans
$39.58M
Branches (offices)
1
Net income (YTD)
$343.00K
Rank: #3,704 of 4,213 U.S. banks by assets · #309 of 346 in Texas. Assets changed 12.8% and deposits 10.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.71% |
| Return on equity | 12.07% |
| Net interest margin (YTD) | 3.23% |
| Equity to assets | 6.04% |
| Tier 1 leverage ratio | 9.71% |
| Uninsured deposits (share of deposits) | 32.2% |
| Noncurrent loans (share of loans) | 3.09% |
| Net charge-offs (share of loans) | -0.31% |
| Loans to deposits | 43.8% |
| Real estate loans (share of loans) | 27.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $10.95M | 27.7% | |
| Commercial & industrial | $5.50M | 13.9% | |
| Consumer / individual | $2.54M | 6.4% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $21.50M | 54.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $91.77M | $90.65M | $312.00K | $504.00K |
| Jun 2023 | $97.55M | $83.82M | $34.00K | $507.00K |
| Jun 2024 | $86.59M | $83.90M | -$954.00K | $1.82M |
| Jun 2025 | $85.53M | $81.60M | $337.00K | $3.62M |
| Jun 2026 | $96.49M | $90.40M | $343.00K | $5.83M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $90.40M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $90.40M.
Similar-sized banks
Mutual Federal Bank ($96.50M) · First Farmers & Merchants State Bank ($96.41M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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