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National Bank & Trust
La Grange, TX · FDIC Certificate #3289 · Chartered 07/0
Total assets
$241.97M
Total deposits
$203.47M
Total equity
$20.64M
Net loans
$132.71M
Branches (offices)
2
Net income (YTD)
$521.00K
Rank: #2,759 of 4,213 U.S. banks by assets · #237 of 346 in Texas. Assets changed 6.2% and deposits 9.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.43% |
| Return on equity | 5.06% |
| Net interest margin (YTD) | 2.89% |
| Equity to assets | 8.53% |
| Tier 1 leverage ratio | 10.83% |
| Uninsured deposits (share of deposits) | 19.8% |
| Noncurrent loans (share of loans) | 0.17% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 65.2% |
| Real estate loans (share of loans) | 94.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $125.62M | 94.7% | |
| Commercial & industrial | $3.24M | 2.4% | |
| Consumer / individual | $4.05M | 3.1% | |
| Construction & development | $34.33M | 25.9% | |
| Agricultural | $21.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $214.55M | $195.84M | $1.08M | $15.82M |
| Jun 2023 | $228.22M | $177.63M | $333.00K | $17.14M |
| Jun 2024 | $221.00M | $175.81M | $256.00K | $18.24M |
| Jun 2025 | $227.78M | $185.52M | $393.00K | $17.71M |
| Jun 2026 | $241.97M | $203.47M | $521.00K | $20.64M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $203.47M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $203.47M.
Similar-sized banks
The Commercial Bank Of Grayson ($242.02M) · Security Savings Bank ($241.40M)
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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