TellerScore

Headquartered in La Grange, Texas, National Bank & Trust is a national bank with $242.0M in total assets and $203.5M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1888.

Based on its Q2 2026 filing, National Bank & Trust scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 206th. Its strongest component is problem-loan coverage (98/100; 1.0%), and its lowest is earnings (37/100; 0.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.83%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.17%
Earnings37/100
Return on assets (annualized): 0.43%
Funding & liquidity90/100
Loans ÷ deposits and uninsured-deposit share: 65.2% · 19.8% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.03%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 72).

TellerScore
717579Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202476
Q3 202477
Q4 202479
Q1 202575
Q2 202571
Q3 202574
Q4 202574
Q1 202672
Q2 202672
Tier 1 leverage ratio
5.00%8.93%12.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.25%
Q3 202412.37%
Q4 202412.87%
Q1 202512.19%
Q2 202511.21%
Q3 202511.77%
Q4 202511.34%
Q1 202610.88%
Q2 202610.83%
Noncurrent loans
0.03%0.12%0.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.03%
Q3 20240.04%
Q4 20240.03%
Q1 20250.03%
Q2 20250.22%
Q3 20250.22%
Q4 20250.18%
Q1 20260.17%
Q2 20260.17%
Return on assets
0.21%0.36%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.23%
Q3 20240.23%
Q4 20240.31%
Q1 20250.21%
Q2 20250.35%
Q3 20250.45%
Q4 20250.52%
Q1 20260.38%
Q2 20260.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$242.0M10.83%0.17%0.43%65.2%
Q1 202672$245.6M10.88%0.17%0.38%65.8%
Q4 202574$239.7M11.34%0.18%0.52%66.8%
Q3 202574$233.1M11.77%0.22%0.45%68.2%
Q2 202571$227.8M11.21%0.22%0.35%70.2%
Q1 202575$229.3M12.19%0.03%0.21%69.6%
Q4 202479$214.0M12.87%0.03%0.31%64.7%
Q3 202477$222.4M12.37%0.04%0.23%66.2%
Q2 202476$221.0M12.25%0.03%0.23%66.9%

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 ratio10.83%
47th
Total risk-based capital0.00%
24th
Problem loans0.17%
67th
Net charge-offs0.01%
49th
Return on assets0.43%
11th
Net interest margin2.89%
8th
Efficiency ratio82.7%
11th
Loans to deposits65.2%
76th
Uninsured deposits19.8%
65th
Loan-loss reserves1.18%
48th
Texas ratio1.0%
69th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of Sterling CityBank Sterling City, TX82 out of 100, Strong$240.1M11.6%0.00%vs
Spring Hill State BankBank Longview, TX79 out of 100, Strong$238.5M16.7%0.94%vs
Bridge City State BankBank Bridge City, TX76 out of 100, Strong$246.8M11.7%0.08%vs
Cypress Bank, SSBBank Pittsburg, TX59 out of 100, Moderate$235.5M11.4%1.84%vs
The City National Bank of TaylorBank Taylor, TX82 out of 100, Strong$250.3M12.9%0.38%vs
First National Bank of BurlesonBank Burleson, TX89 out of 100, Very strong$250.8M12.6%0.00%vs

Deposit insurance

Is my money safe at National Bank & Trust?

Yes. National Bank & Trust is an FDIC-insured institution (FDIC certificate #3289). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.8% of deposits ($40.3M) 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 10.83%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

National Bank & Trust lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
National Bank & Trust
Former names
The First National Bank of La Grange; The First National Bank of Lagrange; The First National Bank
Type
National bank
FDIC certificate #
3289
RSSD ID
792659
Primary regulator
OCC
Holding company
First LA Grange Bancshares Employee Stk Ownership Plan With 401 K Provisions
Established
July 5, 1888
Headquarters
141 W Colorado St, La Grange, TX 78945
Employees
33

Quick answers

National Bank & Trust: common questions

Is National Bank & Trust FDIC insured?

Yes. National Bank & Trust is an FDIC-insured institution (FDIC certificate #3289). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is National Bank & Trust's TellerScore?

72 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 National Bank & Trust ever failed?

There is no failure record for FDIC certificate #3289 in the FDIC failed bank list.

How many branches does National Bank & Trust have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near La Grange

InstitutionScoreAssetsCapitalProblem loansCompare
Columbus State BankBank Columbus, TX86 out of 100, Very strong$326.5M14.5%0.00%vs
Citizens National BankBank Cameron, TX86 out of 100, Very strong$691.8M12.7%0.00%vs
Lcra Credit UnionCredit union Austin, TX83 out of 100, Strong$20.2M16.0%0.41%vs
Fayette Savings Bank, SSBBank La Grange, TX81 out of 100, Strong$551.8M11.0%0.01%vs
Round Top State BankBank Round Top, TX80 out of 100, Strong$974.1M11.9%0.36%vs
The First National Bank of BastropBank Bastrop, TX77 out of 100, Strong$1.2B11.6%0.33%vs