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The First National Bank In Cooper
Cooper, TX · FDIC Certificate #3149 · Chartered 01/1
Total assets
$57.31M
Total deposits
$49.68M
Total equity
$7.38M
Net loans
$30.06M
Branches (offices)
1
Net income (YTD)
$256.00K
Rank: #3,985 of 4,213 U.S. banks by assets · #334 of 346 in Texas. Assets changed 5.7% and deposits 5.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.90% |
| Return on equity | 6.95% |
| Net interest margin (YTD) | 3.11% |
| Equity to assets | 12.88% |
| Tier 1 leverage ratio | 13.12% |
| Uninsured deposits (share of deposits) | 13.3% |
| Noncurrent loans (share of loans) | 1.44% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 60.5% |
| Real estate loans (share of loans) | 88.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $26.63M | 88.6% | |
| Commercial & industrial | $773.00K | 2.6% | |
| Consumer / individual | $1.71M | 5.7% | |
| Construction & development | $424.00K | 1.4% | |
| Agricultural | $631.00K | 2.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $59.16M | $53.03M | $215.00K | $6.02M |
| Jun 2023 | $52.07M | $45.78M | $294.00K | $6.11M |
| Jun 2024 | $53.34M | $46.67M | $249.00K | $6.47M |
| Jun 2025 | $54.21M | $46.97M | $234.00K | $7.03M |
| Jun 2026 | $57.31M | $49.68M | $256.00K | $7.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $49.68M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $49.68M.
Similar-sized banks
The First National Bank Of Brownstown ($57.41M) · Fortuna Bank ($57.26M)
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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