The First National Bank of Aspermont is a national bank headquartered in Aspermont, Texas, in business for about 125 years. At the end of Q2 2026 it reported $133.9M in total assets and $128.0M in deposits, with 1 office.
The First National Bank of Aspermont has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 227th. Problem-loan coverage contributes the most (95/100, 2.4%); capital cushion contributes the least (41/100, 9.07%).
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 rose 4 points (66 → 70), mostly because the earnings component improved by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 66 |
| Q4 2024 | 64 |
| Q1 2025 | 65 |
| Q2 2025 | 66 |
| Q3 2025 | 64 |
| Q4 2025 | 66 |
| Q1 2026 | 69 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.65% |
| Q3 2024 | 9.63% |
| Q4 2024 | 9.63% |
| Q1 2025 | 9.61% |
| Q2 2025 | 9.15% |
| Q3 2025 | 8.80% |
| Q4 2025 | 8.75% |
| Q1 2026 | 8.84% |
| Q2 2026 | 9.07% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.15% |
| Q3 2024 | 0.39% |
| Q4 2024 | 0.36% |
| Q1 2025 | 0.33% |
| Q2 2025 | 0.28% |
| Q3 2025 | 0.43% |
| Q4 2025 | 0.36% |
| Q1 2026 | 0.32% |
| Q2 2026 | 0.29% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.52% |
| Q3 2024 | 0.49% |
| Q4 2024 | 0.41% |
| Q1 2025 | 0.46% |
| Q2 2025 | 0.59% |
| Q3 2025 | 0.67% |
| Q4 2025 | 0.79% |
| Q1 2026 | 1.09% |
| Q2 2026 | 1.09% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $133.9M | 9.07% | 0.29% | 1.09% | 38.5% |
| Q1 2026 | 69 | $136.4M | 8.84% | 0.32% | 1.09% | 36.0% |
| Q4 2025 | 66 | $136.9M | 8.75% | 0.36% | 0.79% | 33.5% |
| Q3 2025 | 64 | $132.5M | 8.80% | 0.43% | 0.67% | 33.5% |
| Q2 2025 | 66 | $125.7M | 9.15% | 0.28% | 0.59% | 34.4% |
| Q1 2025 | 65 | $127.1M | 9.61% | 0.33% | 0.46% | 30.6% |
| Q4 2024 | 64 | $115.5M | 9.63% | 0.36% | 0.41% | 32.9% |
| Q3 2024 | 66 | $118.0M | 9.63% | 0.39% | 0.49% | 32.3% |
| Q2 2024 | 68 | $114.6M | 9.65% | 0.15% | 0.52% | 29.1% |
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank of DublinBank Dublin, TX | 88 out of 100, Very strong | $134.2M | 12.4% | 0.10% | vs |
| Pointwest BankBank West, TX | 90 out of 100, Very strong | $137.3M | 12.5% | 0.00% | vs |
| The Buckholts State BankBank Buckholts, TX | 96 out of 100, Very strong | $138.8M | 17.6% | 0.02% | vs |
| Texas National BankBank Sweetwater, TX | 74 out of 100, Strong | $139.1M | 11.0% | 0.00% | vs |
| First State Bank of BrownsboroBank Brownsboro, TX | 73 out of 100, Strong | $139.9M | 10.4% | 0.52% | vs |
| Peoples State BankBank Rocksprings, TX | 80 out of 100, Strong | $140.0M | 11.0% | 0.10% | vs |
Deposit insurance
Is my money safe at The First National Bank of Aspermont?
Yes. The First National Bank of Aspermont is an FDIC-insured institution (FDIC certificate #3079). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.2% of deposits ($34.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.07%, 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 of Aspermont lists 1 office in 1 city. Most locations:
- Aspermont, TX (1)
Identity & history
Profile
- Legal name
- The First National Bank of Aspermont
- Type
- National bank
- FDIC certificate #
- 3079
- RSSD ID
- 138257
- Primary regulator
- OCC
- Holding company
- Aspermont Bankshares Inc
- Established
- April 21, 1901
- Headquarters
- 136 W 7th St, Aspermont, TX 79502
- Website
- www.fnbaspermont.com
- Employees
- 16
Quick answers
The First National Bank of Aspermont: common questions
Is The First National Bank of Aspermont FDIC insured?
Yes. The First National Bank of Aspermont is an FDIC-insured institution (FDIC certificate #3079). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Aspermont's TellerScore?
70 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 of Aspermont ever failed?
There is no failure record for FDIC certificate #3079 in the FDIC failed bank list.
How many branches does The First National Bank of Aspermont have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Aspermont
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of TexasBank Midland, TX | 75 out of 100, Strong | $543.6M | 13.0% | 0.48% | vs |
| First National BankBank Rotan, TX | 42 out of 100, Below average | $96.5M | 9.7% | 3.09% | vs |