The First National Bank in Cooper is a national bank headquartered in Cooper, Texas, in business for about 135 years. At the end of Q2 2026 it reported $57.3M in total assets and $49.7M in deposits, with 1 office.
The First National Bank in Cooper has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than only 45% of its 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 208th. Funding & liquidity contributes the most (100/100, 61% loans-to-deposits, 13% uninsured); loan quality contributes the least (52/100, 1.44%).
TellerScore · Q2 2026
Scorecard
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 13 points (85 → 72), mostly because the loan quality component weakened by 48 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 87 |
| Q4 2024 | 88 |
| Q1 2025 | 86 |
| Q2 2025 | 85 |
| Q3 2025 | 74 |
| Q4 2025 | 72 |
| Q1 2026 | 74 |
| Q2 2026 | 72 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.32% |
| Q3 2024 | 13.94% |
| Q4 2024 | 14.26% |
| Q1 2025 | 13.60% |
| Q2 2025 | 13.56% |
| Q3 2025 | 13.91% |
| Q4 2025 | 13.61% |
| Q1 2026 | 13.26% |
| Q2 2026 | 13.12% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 1.34% |
| Q4 2025 | 1.50% |
| Q1 2026 | 1.36% |
| Q2 2026 | 1.44% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.94% |
| Q3 2024 | 0.97% |
| Q4 2024 | 0.93% |
| Q1 2025 | 0.90% |
| Q2 2025 | 0.87% |
| Q3 2025 | 0.89% |
| Q4 2025 | 0.88% |
| Q1 2026 | 0.97% |
| Q2 2026 | 0.90% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $57.3M | 13.12% | 1.44% | 0.90% | 60.5% |
| Q1 2026 | 74 | $58.2M | 13.26% | 1.36% | 0.97% | 62.3% |
| Q4 2025 | 72 | $55.4M | 13.61% | 1.50% | 0.88% | 66.1% |
| Q3 2025 | 74 | $53.6M | 13.91% | 1.34% | 0.89% | 69.3% |
| Q2 2025 | 85 | $54.2M | 13.56% | 0.00% | 0.87% | 69.0% |
| Q1 2025 | 86 | $55.0M | 13.60% | 0.00% | 0.90% | 67.7% |
| Q4 2024 | 88 | $52.4M | 14.26% | 0.01% | 0.93% | 69.9% |
| Q3 2024 | 87 | $51.4M | 13.94% | 0.00% | 0.97% | 73.5% |
| Q2 2024 | 84 | $53.3M | 13.32% | 0.13% | 0.94% | 68.6% |
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Crowell State BankBank Crowell, TX | 79 out of 100, Strong | $57.5M | 11.0% | 0.89% | vs |
| Amistad BankBank Del Rio, TX | 86 out of 100, Very strong | $57.0M | 15.3% | 0.00% | vs |
| First State BankBank Junction, TX | 78 out of 100, Strong | $58.2M | 10.6% | 0.37% | vs |
| Producer Bank of TexasBank Powell, TX | 73 out of 100, Strong | $58.7M | 18.6% | 0.58% | vs |
| State National BankBank Groom, TX | 72 out of 100, Strong | $55.1M | 12.6% | 0.35% | vs |
| The First National Bank of MoodyBank Moody, TX | 92 out of 100, Very strong | $54.2M | 18.3% | 0.00% | vs |
Deposit insurance
Is my money safe at The First National Bank in Cooper?
Yes. The First National Bank in Cooper is an FDIC-insured institution (FDIC certificate #3149). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.3% of deposits ($6.6M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.12%, 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%).
1 location
Branches
The First National Bank in Cooper lists 1 office in 1 city. Most locations:
- Cooper, TX (1)
Identity & history
Profile
- Legal name
- The First National Bank in Cooper
- Type
- National bank
- FDIC certificate #
- 3149
- RSSD ID
- 767152
- Primary regulator
- OCC
- Holding company
- Cooper Lake Financial Corp
- Established
- January 15, 1891
- Headquarters
- 11 W Side Sq, Cooper, TX 75432
- Website
- www.fnbcooper.com
- Employees
- 8
Quick answers
The First National Bank in Cooper: common questions
Is The First National Bank in Cooper FDIC insured?
Yes. The First National Bank in Cooper is an FDIC-insured institution (FDIC certificate #3149). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank in Cooper'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 The First National Bank in Cooper ever failed?
There is no failure record for FDIC certificate #3149 in the FDIC failed bank list.
How many branches does The First National Bank in Cooper have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cooper
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Employees United Federal Credit UnionCredit union Paris, TX | 92 out of 100, Very strong | $12.4M | 32.7% | 0.08% | vs |
| Northeast Texas Teachers Federal Credit UnionCredit union Paris, TX | 83 out of 100, Strong | $33.1M | 14.4% | 0.43% | vs |
| Legend Bank, N.A.Bank Bowie, TX | 82 out of 100, Strong | $1.3B | 10.4% | 0.12% | vs |
| The City National Bank of Sulphur SpringsBank Sulphur Springs, TX | 78 out of 100, Strong | $1.4B | 9.8% | 0.15% | vs |
| Commercial Bank of Texas, National AssociationBank Nacogdoches, TX | 77 out of 100, Strong | $1.7B | 10.6% | 0.14% | vs |
| Peoples BankBank Paris, TX | 76 out of 100, Strong | $185.4M | 9.6% | 0.25% | vs |