The First National Bank of Lipan is a national bank headquartered in Lipan, Texas, in business for about 119 years. At the end of Q2 2026 it reported $25.9M in total assets and $23.1M in deposits, with 1 office.
The First National Bank of Lipan has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 60% of its 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 123rd. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (56/100, 10.64%).
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 (74 → 78), mostly because the funding & liquidity component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 72 |
| Q4 2024 | 72 |
| Q1 2025 | 76 |
| Q2 2025 | 74 |
| Q3 2025 | 74 |
| Q4 2025 | 74 |
| Q1 2026 | 78 |
| Q2 2026 | 78 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.99% |
| Q3 2024 | 9.05% |
| Q4 2024 | 9.21% |
| Q1 2025 | 9.70% |
| Q2 2025 | 9.95% |
| Q3 2025 | 9.26% |
| Q4 2025 | 9.70% |
| Q1 2026 | 10.25% |
| Q2 2026 | 10.64% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.78% |
| Q3 2024 | 0.80% |
| Q4 2024 | 0.73% |
| Q1 2025 | 0.92% |
| Q2 2025 | 0.85% |
| Q3 2025 | 0.86% |
| Q4 2025 | 0.74% |
| Q1 2026 | 1.01% |
| Q2 2026 | 0.92% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $25.9M | 10.64% | 0.00% | 0.92% | 32.1% |
| Q1 2026 | 78 | $26.7M | 10.25% | 0.00% | 1.01% | 33.3% |
| Q4 2025 | 74 | $26.5M | 9.70% | 0.00% | 0.74% | 33.0% |
| Q3 2025 | 74 | $27.4M | 9.26% | 0.00% | 0.86% | 31.4% |
| Q2 2025 | 74 | $30.0M | 9.95% | 0.00% | 0.85% | 28.7% |
| Q1 2025 | 76 | $26.2M | 9.70% | 0.00% | 0.92% | 31.5% |
| Q4 2024 | 72 | $27.0M | 9.21% | 0.00% | 0.73% | 32.0% |
| Q3 2024 | 72 | $26.7M | 9.05% | 0.00% | 0.80% | 31.5% |
| Q2 2024 | 72 | $26.6M | 8.99% | 0.00% | 0.78% | 32.5% |
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 |
|---|---|---|---|---|---|
| Brazos National BankBank Richwood, TX | 62 out of 100, Moderate | $27.6M | 56.1% | 5.07% | vs |
| Houston Bank & TrustBank Houston, TX | 73 out of 100, Strong | $38.5M | 93.0% | 0.00% | vs |
| Avana BankBank Abilene, TX | 79 out of 100, Strong | $39.6M | 17.5% | 0.00% | vs |
| The Bank of San Jacinto County, Coldspring, TexasBank Coldspring, TX | 97 out of 100, Very strong | $42.0M | 17.8% | 0.00% | vs |
| Robert Lee State BankBank Robert Lee, TX | 64 out of 100, Moderate | $42.9M | 14.1% | 2.09% | vs |
| The Donley County State BankBank Clarendon, TX | 66 out of 100, Moderate | $49.7M | 20.9% | 2.77% | vs |
Deposit insurance
Is my money safe at The First National Bank of Lipan?
Yes. The First National Bank of Lipan is an FDIC-insured institution (FDIC certificate #3303). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 6.7% of deposits ($1.5M) 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 10.64%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 40.34% (benchmark: 10%).
1 location
Branches
The First National Bank of Lipan lists 1 office in 1 city. Most locations:
- Lipan, TX (1)
Identity & history
Profile
- Legal name
- The First National Bank of Lipan
- Type
- National bank
- FDIC certificate #
- 3303
- RSSD ID
- 811457
- Primary regulator
- OCC
- Established
- January 1, 1907
- Headquarters
- 101 E Lipan Dr, Lipan, TX 76462
- Employees
- 6
Quick answers
The First National Bank of Lipan: common questions
Is The First National Bank of Lipan FDIC insured?
Yes. The First National Bank of Lipan is an FDIC-insured institution (FDIC certificate #3303). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Lipan's TellerScore?
78 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 Lipan ever failed?
There is no failure record for FDIC certificate #3303 in the FDIC failed bank list.
How many branches does The First National Bank of Lipan have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lipan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Eecu Credit UnionCredit union Fort Worth, TX | 81 out of 100, Strong | $4.9B | 12.7% | 0.45% | vs |
| Grandview BankBank Grandview, TX | 81 out of 100, Strong | $729.3M | 12.4% | 0.12% | vs |
| TexasBankBank Fort Worth, TX | 80 out of 100, Strong | $2.5B | 12.9% | 0.41% | vs |
| Clear Fork Bank, National AssociationBank Albany, TX | 79 out of 100, Strong | $1.0B | 10.6% | 0.26% | vs |
| The First National Bank of GranburyBank Granbury, TX | 78 out of 100, Strong | $946.3M | 12.1% | 0.78% | vs |
| First Financial BankBank Abilene, TX | 76 out of 100, Strong | $15.2B | 11.6% | 0.77% | vs |