TellerScore

The First National Bank of Hughes Springs (FDIC certificate #3268) is based in Hughes Springs, Texas. Its Q2 2026 call report shows $319.5M in total assets and $283.1M in deposits and 16 offices.

The First National Bank of Hughes Springs has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 279th. Earnings contributes the most (100/100, 2.18%); loan quality contributes the least (26/100, 2.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 11.04%
Loan quality26/100
Noncurrent loans ÷ total loans: 2.23%
Earnings100/100
Return on assets (annualized): 2.18%
Funding & liquidity75/100
Loans ÷ deposits and uninsured-deposit share: 72.6% · 26.2% uninsured
Problem-loan coverage74/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 13.13%

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 (64 → 63).

TellerScore
566268Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202458
Q4 202465
Q1 202566
Q2 202564
Q3 202566
Q4 202568
Q1 202662
Q2 202663
Tier 1 leverage ratio
5.00%8.62%12.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.77%
Q3 202412.25%
Q4 202410.60%
Q1 202511.19%
Q2 202511.76%
Q3 202512.11%
Q4 202510.12%
Q1 202610.73%
Q2 202611.04%
Noncurrent loans
1.29%2.73%4.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20244.16%
Q3 20243.40%
Q4 20241.72%
Q1 20251.79%
Q2 20252.29%
Q3 20252.14%
Q4 20251.29%
Q1 20262.13%
Q2 20262.23%
Return on assets
2.18%2.64%3.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.82%
Q3 20242.38%
Q4 20242.51%
Q1 20253.01%
Q2 20253.10%
Q3 20252.40%
Q4 20252.56%
Q1 20262.37%
Q2 20262.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$319.5M11.04%2.23%2.18%72.6%
Q1 202662$321.6M10.73%2.13%2.37%71.7%
Q4 202568$316.5M10.12%1.29%2.56%76.2%
Q3 202566$314.8M12.11%2.14%2.40%79.1%
Q2 202564$321.2M11.76%2.29%3.10%78.1%
Q1 202566$318.2M11.19%1.79%3.01%80.9%
Q4 202465$303.4M10.60%1.72%2.51%82.4%
Q3 202458$302.3M12.25%3.40%2.38%86.6%
Q2 202456$310.3M11.77%4.16%2.82%82.0%

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 ratio11.04%
51st
Total risk-based capital18.33%
82nd
Problem loans2.23%
10th
Net charge-offs0.03%
35th
Return on assets2.18%
91st
Net interest margin6.48%
99th
Efficiency ratio64.0%
45th
Loans to deposits72.6%
65th
Uninsured deposits26.2%
41st
Loan-loss reserves1.34%
67th
Texas ratio13.1%
13th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Community BankBank Longview, TX82 out of 100, Strong$315.5M11.9%0.00%vs
First State Bank of BurnetBank Burnet, TX86 out of 100, Very strong$325.8M12.5%0.13%vs
Columbus State BankBank Columbus, TX86 out of 100, Very strong$326.5M14.5%0.00%vs
Citizens BankBank Amarillo, TX82 out of 100, Strong$309.8M10.1%0.01%vs
The Pecos County State BankBank Fort Stockton, TX73 out of 100, Strong$309.4M11.6%0.98%vs
Commercial National Bank of TexarkanaBank Texarkana, TX58 out of 100, Moderate$330.1M10.0%1.99%vs

Deposit insurance

Is my money safe at The First National Bank of Hughes Springs?

Yes. The First National Bank of Hughes Springs is an FDIC-insured institution (FDIC certificate #3268). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.2% of deposits ($74.2M) 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 11.04%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.33% (benchmark: 10%).

Check how much of your own balance is covered

16 locations

Branches

The First National Bank of Hughes Springs lists 16 offices in 16 cities. Most locations:

  • Atlanta, TX (1)
  • Bloomburg, TX (1)
  • Daingerfield, TX (1)
  • Diana, TX (1)
  • Harleton, TX (1)
  • Hughes Springs, TX (1)
  • Jefferson, TX (1)
  • Kilgore, TX (1)
  • Lott, TX (1)
  • Marlin, TX (1)
  • Marshall, TX (1)
  • Omaha, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
The First National Bank of Hughes Springs
Type
National bank
FDIC certificate #
3268
RSSD ID
849357
Primary regulator
OCC
Holding company
Chalybeate Springs Corp
Established
June 3, 1903
Headquarters
505 E 1st, Hughes Springs, TX 75656
Employees
109

Quick answers

The First National Bank of Hughes Springs: common questions

Is The First National Bank of Hughes Springs FDIC insured?

Yes. The First National Bank of Hughes Springs is an FDIC-insured institution (FDIC certificate #3268). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Hughes Springs's TellerScore?

63 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 Hughes Springs ever failed?

There is no failure record for FDIC certificate #3268 in the FDIC failed bank list.

How many branches does The First National Bank of Hughes Springs have?

16 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hughes Springs

InstitutionScoreAssetsCapitalProblem loansCompare
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs
The American National Bank of Mount PleasantBank Mount Pleasant, TX88 out of 100, Very strong$144.6M12.8%0.00%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
Community BankBank Longview, TX82 out of 100, Strong$315.5M11.9%0.00%vs
The City National Bank of Sulphur SpringsBank Sulphur Springs, TX78 out of 100, Strong$1.4B9.8%0.15%vs
First Federal Community Bank, SSBBank Paris, TX74 out of 100, Strong$603.6M13.1%0.75%vs