TellerScore

The First National Bank of Mertzon (FDIC certificate #3339) is based in Mertzon, Texas. Its Q2 2026 call report shows $500.3M in total assets and $420.2M in deposits and 3 offices.

Based on its Q2 2026 filing, The First National Bank of Mertzon scores 90/100, which we describe as very strong. That is higher than 95% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 18th. Its strongest component is capital cushion (100/100; 15.75%), and its lowest is funding & liquidity (50/100; 21% loans-to-deposits, 62% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.75%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings89/100
Return on assets (annualized): 1.72%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 21.3% · 61.7% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 (86 → 90), mostly because the capital cushion component improved by 21 points.

TellerScore
838791Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202483
Q4 202484
Q1 202584
Q2 202586
Q3 202586
Q4 202591
Q1 202690
Q2 202690
Tier 1 leverage ratio
5.00%10.37%15.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.06%
Q3 202412.10%
Q4 202412.10%
Q1 202512.77%
Q2 202512.87%
Q3 202513.53%
Q4 202514.70%
Q1 202615.48%
Q2 202615.75%
Noncurrent loans
0.00%0.07%0.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.09%
Q3 20240.08%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.14%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.62%1.85%2.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.05%
Q3 20242.08%
Q4 20242.02%
Q1 20251.81%
Q2 20251.95%
Q3 20251.94%
Q4 20251.87%
Q1 20261.62%
Q2 20261.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$500.3M15.75%0.00%1.72%21.3%
Q1 202690$504.9M15.48%0.00%1.62%18.5%
Q4 202591$487.1M14.70%0.00%1.87%17.8%
Q3 202586$548.4M13.53%0.14%1.94%15.6%
Q2 202586$539.7M12.87%0.00%1.95%15.5%
Q1 202584$554.3M12.77%0.00%1.81%14.0%
Q4 202484$533.6M12.10%0.00%2.02%14.8%
Q3 202483$521.7M12.10%0.08%2.08%15.6%
Q2 202483$505.5M12.06%0.09%2.05%17.3%

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 ratio15.75%
90th
Total risk-based capital78.10%
99th
Problem loans0.00%
94th
Net charge-offs0.00%
56th
Return on assets1.72%
77th
Net interest margin3.21%
16th
Efficiency ratio31.2%
99th
Loans to deposits21.3%
99th
Uninsured deposits61.7%
1st
Loan-loss reserves1.77%
89th
Texas ratio0.0%
95th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Colonial Savings, F.A.Bank Fort Worth, TX76 out of 100, Strong$501.8M46.1%0.38%vs
Citizens State BankBank Sealy, TX76 out of 100, Strong$507.0M10.3%0.00%vs
Texas Republic Bank, National AssociationBank Frisco, TX71 out of 100, Strong$510.6M13.3%1.06%vs
Citizens State BankBank Woodville, TX44 out of 100, Below average$511.4M13.2%3.10%vs
Citizens BankBank Kilgore, TX60 out of 100, Moderate$488.8M6.9%0.02%vs
The Brenham National BankBank Brenham, TX69 out of 100, Moderate$517.7M11.8%1.54%vs

Deposit insurance

Is my money safe at The First National Bank of Mertzon?

Yes. The First National Bank of Mertzon is an FDIC-insured institution (FDIC certificate #3339). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 61.7% of deposits ($259.4M) 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 15.75%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 78.10% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

The First National Bank of Mertzon lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The First National Bank of Mertzon
Type
National bank
FDIC certificate #
3339
RSSD ID
500256
Primary regulator
OCC
Established
January 1, 1910
Headquarters
106 S Broadway St Ave, Mertzon, TX 76941
Employees
30

Quick answers

The First National Bank of Mertzon: common questions

Is The First National Bank of Mertzon FDIC insured?

Yes. The First National Bank of Mertzon is an FDIC-insured institution (FDIC certificate #3339). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Mertzon's TellerScore?

90 out of 100 (Very 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 Mertzon ever failed?

There is no failure record for FDIC certificate #3339 in the FDIC failed bank list.

How many branches does The First National Bank of Mertzon have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mertzon

InstitutionScoreAssetsCapitalProblem loansCompare
Texas State BankBank San Angelo, TX91 out of 100, Very strong$425.5M13.6%0.00%vs
San Angelo Federal Credit UnionCredit union San Angelo, TX84 out of 100, Strong$40.6M12.9%0.73%vs
The First National Bank of BallingerBank Ballinger, TX81 out of 100, Strong$275.3M10.5%0.03%vs
Coleman County State BankBank Coleman, TX78 out of 100, Strong$295.1M8.6%0.05%vs
Concho Valley Credit UnionCredit union San Angelo, TX78 out of 100, Strong$25.7M11.4%0.14%vs
Trans Texas Southwest Credit UnionCredit union San Angelo, TX77 out of 100, Strong$51.0M13.3%0.54%vs