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First National Bank Of Huntsville
Huntsville, TX · FDIC Certificate #3269 · Chartered 01/0
Total assets
$584.87M
Total deposits
$501.62M
Total equity
$80.35M
Net loans
$349.43M
Branches (offices)
5
Net income (YTD)
$5.11M
Rank: #1,587 of 4,213 U.S. banks by assets · #143 of 346 in Texas. Assets changed 5.6% and deposits 5.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.74% |
| Return on equity | 13.05% |
| Net interest margin (YTD) | 4.33% |
| Equity to assets | 13.74% |
| Tier 1 leverage ratio | 13.29% |
| Uninsured deposits (share of deposits) | 19.2% |
| Noncurrent loans (share of loans) | 0.05% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 69.7% |
| Real estate loans (share of loans) | 79.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $276.05M | 79.0% | |
| Commercial & industrial | $37.81M | 10.8% | |
| Consumer / individual | $33.70M | 9.6% | |
| Construction & development | $59.98M | 17.2% | |
| Agricultural | $5.25M | 1.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $630.92M | $569.57M | $1.39M | $59.70M |
| Jun 2023 | $556.11M | $490.97M | $2.51M | $62.60M |
| Jun 2024 | $525.54M | $453.96M | $3.52M | $69.15M |
| Jun 2025 | $554.10M | $474.78M | $4.69M | $75.79M |
| Jun 2026 | $584.87M | $501.62M | $5.11M | $80.35M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $501.62M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $501.62M.
Similar-sized banks
Washington Savings Bank ($585.34M) · Premierbank ($583.85M)
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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