The First National Bank of Eagle Lake (FDIC certificate #3179) is based in Eagle Lake, Texas. Its Q2 2026 call report shows $167.7M in total assets and $147.7M in deposits and 3 offices.
Based on its Q2 2026 filing, The First National Bank of Eagle Lake scores 60/100, which we describe as moderate. That is higher than only 19% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 303rd. Its strongest component is earnings (82/100; 1.56%), and its lowest is loan quality (25/100; 2.25%).
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 8 points (52 → 60), mostly because the loan quality component improved by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 78 |
| Q4 2024 | 77 |
| Q1 2025 | 48 |
| Q2 2025 | 52 |
| Q3 2025 | 52 |
| Q4 2025 | 53 |
| Q1 2026 | 59 |
| Q2 2026 | 60 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.50% |
| Q3 2024 | 10.40% |
| Q4 2024 | 9.96% |
| Q1 2025 | 10.52% |
| Q2 2025 | 11.20% |
| Q3 2025 | 11.26% |
| Q4 2025 | 10.85% |
| Q1 2026 | 11.35% |
| Q2 2026 | 11.38% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.03% |
| Q4 2024 | 0.04% |
| Q1 2025 | 3.06% |
| Q2 2025 | 2.89% |
| Q3 2025 | 3.71% |
| Q4 2025 | 3.07% |
| Q1 2026 | 2.38% |
| Q2 2026 | 2.25% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.48% |
| Q3 2024 | 1.44% |
| Q4 2024 | 1.47% |
| Q1 2025 | 1.33% |
| Q2 2025 | 1.50% |
| Q3 2025 | 1.47% |
| Q4 2025 | 1.61% |
| Q1 2026 | 1.36% |
| Q2 2026 | 1.56% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $167.7M | 11.38% | 2.25% | 1.56% | 71.5% |
| Q1 2026 | 59 | $170.7M | 11.35% | 2.38% | 1.36% | 63.5% |
| Q4 2025 | 53 | $169.9M | 10.85% | 3.07% | 1.61% | 63.5% |
| Q3 2025 | 52 | $171.1M | 11.26% | 3.71% | 1.47% | 65.4% |
| Q2 2025 | 52 | $161.4M | 11.20% | 2.89% | 1.50% | 75.7% |
| Q1 2025 | 48 | $157.5M | 10.52% | 3.06% | 1.33% | 73.7% |
| Q4 2024 | 77 | $167.0M | 9.96% | 0.04% | 1.47% | 72.5% |
| Q3 2024 | 78 | $172.4M | 10.40% | 0.03% | 1.44% | 69.9% |
| Q2 2024 | 77 | $155.8M | 10.50% | 0.00% | 1.48% | 81.9% |
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Brady National BankBank Brady, TX | 75 out of 100, Strong | $167.7M | 10.0% | 0.00% | vs |
| The First National Bank of QuitaqueBank Quitaque, TX | 65 out of 100, Moderate | $167.1M | 10.6% | 1.71% | vs |
| Normangee State BankBank Normangee, TX | 86 out of 100, Very strong | $165.5M | 14.7% | 0.03% | vs |
| Big Bend Banks, N.A.Bank Marfa, TX | 95 out of 100, Very strong | $165.4M | 16.2% | 0.00% | vs |
| Fidelity Bank of TexasBank Waco, TX | 61 out of 100, Moderate | $162.8M | 10.6% | 0.05% | vs |
| First State BankBank Paint Rock, TX | 78 out of 100, Strong | $174.3M | 14.1% | 1.90% | vs |
Deposit insurance
Is my money safe at The First National Bank of Eagle Lake?
Yes. The First National Bank of Eagle Lake is an FDIC-insured institution (FDIC certificate #3179). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.3% of deposits ($44.8M) 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 11.38%, 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%).
3 locations
Branches
The First National Bank of Eagle Lake lists 3 offices in 3 cities. Most locations:
- Columbus, TX (1)
- Eagle Lake, TX (1)
- East Bernard, TX (1)
Identity & history
Profile
- Legal name
- The First National Bank of Eagle Lake
- Type
- National bank
- FDIC certificate #
- 3179
- RSSD ID
- 651952
- Primary regulator
- OCC
- Holding company
- Eagle Lake Bancshares Inc
- Established
- December 30, 1904
- Headquarters
- 1217 E Main St, Eagle Lake, TX 77434
- Website
- www.fnbeaglelake.bank
- Employees
- 27
Quick answers
The First National Bank of Eagle Lake: common questions
Is The First National Bank of Eagle Lake FDIC insured?
Yes. The First National Bank of Eagle Lake is an FDIC-insured institution (FDIC certificate #3179). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Eagle Lake's TellerScore?
60 out of 100 (Moderate), 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 Eagle Lake ever failed?
There is no failure record for FDIC certificate #3179 in the FDIC failed bank list.
How many branches does The First National Bank of Eagle Lake have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Eagle Lake
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Wharton County Teachers Credit UnionCredit union Wharton, TX | 90 out of 100, Very strong | $7.4M | 28.4% | 0.18% | vs |
| Lehrer Interests Credit UnionCredit union Garwood, TX | 86 out of 100, Very strong | $2.3M | 21.4% | 0.00% | vs |
| Columbus State BankBank Columbus, TX | 86 out of 100, Very strong | $326.5M | 14.5% | 0.00% | vs |
| NewFirst National BankBank El Campo, TX | 84 out of 100, Strong | $934.9M | 12.5% | 0.21% | vs |
| Texasgulf Federal Credit UnionCredit union Wharton, TX | 81 out of 100, Strong | $220.5M | 14.3% | 0.61% | vs |
| The First National Bank of BastropBank Bastrop, TX | 77 out of 100, Strong | $1.2B | 11.6% | 0.33% | vs |