TellerScore

Headquartered in Valley Mills, Texas, First National Bank of Bosque County is a national bank with $182.3M in total assets and $158.3M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1908.

Based on its Q2 2026 filing, First National Bank of Bosque County scores 82/100, which we describe as strong. That is higher than 82% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 72nd. Its strongest component is earnings (100/100; 2.12%), and its lowest is funding & liquidity (70/100; 85% loans-to-deposits, 20% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Tier 1 leverage ratio: 12.79%
Loan quality76/100
Noncurrent loans ÷ total loans: 0.72%
Earnings100/100
Return on assets (annualized): 2.12%
Funding & liquidity70/100
Loans ÷ deposits and uninsured-deposit share: 85.3% · 19.5% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.89%

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 rose 4 points (78 → 82), mostly because the loan quality component improved by 9 points.

TellerScore
737883Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202481
Q4 202478
Q1 202573
Q2 202578
Q3 202577
Q4 202577
Q1 202683
Q2 202682
Tier 1 leverage ratio
5.00%8.90%12.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.32%
Q3 202412.00%
Q4 202411.86%
Q1 202512.28%
Q2 202512.30%
Q3 202512.43%
Q4 202511.71%
Q1 202612.33%
Q2 202612.79%
Noncurrent loans
0.51%1.02%1.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.34%
Q3 20240.71%
Q4 20240.94%
Q1 20251.53%
Q2 20250.98%
Q3 20251.11%
Q4 20250.92%
Q1 20260.51%
Q2 20260.72%
Return on assets
2.03%2.12%2.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.10%
Q3 20242.05%
Q4 20242.07%
Q1 20252.22%
Q2 20252.19%
Q3 20252.16%
Q4 20252.14%
Q1 20262.03%
Q2 20262.12%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$182.3M12.79%0.72%2.12%85.3%
Q1 202683$186.2M12.33%0.51%2.03%80.4%
Q4 202577$188.6M11.71%0.92%2.14%81.7%
Q3 202577$188.3M12.43%1.11%2.16%80.4%
Q2 202578$173.8M12.30%0.98%2.19%86.4%
Q1 202573$179.5M12.28%1.53%2.22%81.2%
Q4 202478$168.8M11.86%0.94%2.07%84.8%
Q3 202481$172.5M12.00%0.71%2.05%81.5%
Q2 202473$174.6M11.32%1.34%2.10%78.7%

2,650 peers · $100 million – $1 billion

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 ratio12.79%
73rd
Total risk-based capital20.06%
87th
Problem loans0.72%
36th
Net charge-offs-0.02%
91st
Return on assets2.12%
89th
Net interest margin4.58%
82nd
Efficiency ratio55.7%
70th
Loans to deposits85.3%
37th
Uninsured deposits19.5%
66th
Loan-loss reserves1.31%
64th
Texas ratio3.9%
42nd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
First Security State BankBank Cranfills Gap, TX73 out of 100, Strong$183.1M7.6%0.02%vs
Peoples State BankBank Shepherd, TX68 out of 100, Moderate$181.2M10.7%1.25%vs
First State BankBank Spearman, TX53 out of 100, Below average$184.0M12.6%4.44%vs
Greater State BankBank Mcallen, TX75 out of 100, Strong$180.2M11.1%0.05%vs
First State Bank of Ben Wheeler, TexasBank Ben Wheeler, TX95 out of 100, Very strong$185.1M15.7%0.07%vs
Peoples BankBank Paris, TX76 out of 100, Strong$185.4M9.6%0.25%vs

Deposit insurance

Is my money safe at First National Bank of Bosque County?

Yes. First National Bank of Bosque County is an FDIC-insured institution (FDIC certificate #5564). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.5% of deposits ($30.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.79%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.06% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

First National Bank of Bosque County lists 4 offices in 4 cities. Most locations:

  • Clifton, TX (1)
  • Meridian, TX (1)
  • Valley Mills, TX (1)
  • Waco, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
First National Bank of Bosque County
Former names
First National Bank in Valley Mills
Type
National bank
FDIC certificate #
5564
RSSD ID
198961
Primary regulator
OCC
Holding company
Valley Mills Financial Corp
Established
August 1, 1908
Headquarters
418 E Avenue C, Valley Mills, TX 76689
Employees
31

Quick answers

First National Bank of Bosque County: common questions

Is First National Bank of Bosque County FDIC insured?

Yes. First National Bank of Bosque County is an FDIC-insured institution (FDIC certificate #5564). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank of Bosque County's TellerScore?

82 out of 100 (Strong), 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 of Bosque County ever failed?

There is no failure record for FDIC certificate #5564 in the FDIC failed bank list.

How many branches does First National Bank of Bosque County have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Valley Mills

InstitutionScoreAssetsCapitalProblem loansCompare
Educators Credit UnionCredit union Waco, TX99 out of 100, Very strong$609.5M20.3%0.17%vs
Genco Federal Credit UnionCredit union Waco, TX96 out of 100, Very strong$494.7M14.3%0.19%vs
Matagorda County Credit UnionCredit union Bay City, TX94 out of 100, Very strong$36.2M17.4%0.31%vs
Acadiana Medical Federal Credit UnionCredit union Lafayette, LA92 out of 100, Very strong$13.5M25.5%0.00%vs
Pointwest BankBank West, TX90 out of 100, Very strong$137.3M12.5%0.00%vs
Community Bank & Trust, Waco, TexasBank Waco, TX90 out of 100, Very strong$649.1M15.5%0.21%vs