TellerScore

Headquartered in Rotan, Texas, First National Bank is a national bank with $96.5M in total assets and $90.4M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1997.

First National Bank has a TellerScore of 42 out of 100 (below average) based on Q2 2026 data — higher than only 5% of its 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 343rd. Funding & liquidity contributes the most (81/100, 44% loans-to-deposits, 32% uninsured); loan quality contributes the least (0/100, 3.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.71%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.09%
Earnings49/100
Return on assets (annualized): 0.71%
Funding & liquidity81/100
Loans ÷ deposits and uninsured-deposit share: 43.8% · 32.2% uninsured
Problem-loan coverage63/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 18.49%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 29 points (71 → 42), mostly because the loan quality component weakened by 94 points.

TellerScore
425771Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202442
Q3 202442
Q4 202459
Q1 202571
Q2 202571
Q3 202550
Q4 202551
Q1 202642
Q2 202642
Tier 1 leverage ratio
5.00%7.56%10.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.78%
Q3 20249.35%
Q4 20249.03%
Q1 20259.06%
Q2 202510.11%
Q3 202510.09%
Q4 20259.81%
Q1 20269.68%
Q2 20269.71%
Noncurrent loans
0.00%1.70%3.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.82%
Q3 20241.89%
Q4 20240.05%
Q1 20250.00%
Q2 20250.17%
Q3 20252.31%
Q4 20252.14%
Q1 20263.40%
Q2 20263.09%
Return on assets
-2.08%-0.55%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-2.08%
Q3 2024-1.20%
Q4 2024-0.79%
Q1 20250.98%
Q2 20250.75%
Q3 20250.73%
Q4 20250.63%
Q1 20260.69%
Q2 20260.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202642$96.5M9.71%3.09%0.71%43.8%
Q1 202642$97.6M9.68%3.40%0.69%40.7%
Q4 202551$93.9M9.81%2.14%0.63%45.9%
Q3 202550$93.2M10.09%2.31%0.73%41.0%
Q2 202571$85.5M10.11%0.17%0.75%41.5%
Q1 202571$93.8M9.06%0.00%0.98%41.6%
Q4 202459$90.4M9.03%0.05%-0.79%47.2%
Q3 202442$86.7M9.35%1.89%-1.20%42.5%
Q2 202442$86.6M9.78%1.82%-2.08%43.3%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.71%
15th
Total risk-based capital22.79%
79th
Problem loans3.09%
11th
Net charge-offs-0.31%
98th
Return on assets0.71%
37th
Net interest margin3.23%
21st
Efficiency ratio79.5%
32nd
Loans to deposits43.8%
78th
Uninsured deposits32.2%
10th
Loan-loss reserves2.30%
88th
Texas ratio18.5%
8th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Junction National BankBank Junction, TX86 out of 100, Very strong$93.0M12.0%0.00%vs
The First National Bank of TrinityBank Trinity, TX73 out of 100, Strong$92.8M9.2%0.00%vs
Menard BankBank Menard, TX87 out of 100, Very strong$90.7M12.7%0.00%vs
Bandera BankBank Bandera, TX89 out of 100, Very strong$89.3M12.3%0.30%vs
Angelina Savings Bank, SSBBank Lufkin, TX80 out of 100, Strong$86.9M11.4%0.16%vs
The First Bank of CelesteBank Celeste, TX75 out of 100, Strong$83.9M8.4%0.00%vs

Deposit insurance

Is my money safe at First National Bank?

Yes. First National Bank is an FDIC-insured institution (FDIC certificate #34455). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.2% of deposits ($29.1M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.71%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.79% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

First National Bank lists 1 office in 1 city. Most locations:

  • Rotan, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
First National Bank
Type
National bank
FDIC certificate #
34455
RSSD ID
2490285
Primary regulator
OCC
Holding company
Rotan Bancshares Inc
Established
April 1, 1997
Headquarters
118 N Garfield Ave, Rotan, TX 79546
Employees
14

Quick answers

First National Bank: common questions

Is First National Bank FDIC insured?

Yes. First National Bank is an FDIC-insured institution (FDIC certificate #34455). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank's TellerScore?

42 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First National Bank ever failed?

There is no failure record for FDIC certificate #34455 in the FDIC failed bank list.

How many branches does First National Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Rotan

InstitutionScoreAssetsCapitalProblem loansCompare
First Financial BankBank Abilene, TX76 out of 100, Strong$15.2B11.6%0.77%vs
The First National Bank of AspermontBank Aspermont, TX70 out of 100, Strong$133.9M9.1%0.29%vs