The First National Bank of Sonora (FDIC certificate #5531) is based in Sonora, Texas. Its Q2 2026 call report shows $722.0M in total assets and $640.7M in deposits and 9 offices.
Based on its Q2 2026 filing, The First National Bank of Sonora scores 46/100, which we describe as below average. That is higher than only 5% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 334th. Its strongest component is funding & liquidity (64/100; 83% loans-to-deposits, 27% uninsured), and its lowest is capital cushion (30/100; 8.00%).
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 2 points (44 → 46), mostly because the loan quality component improved by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 60 |
| Q4 2024 | 56 |
| Q1 2025 | 52 |
| Q2 2025 | 44 |
| Q3 2025 | 48 |
| Q4 2025 | 48 |
| Q1 2026 | 36 |
| Q2 2026 | 46 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.87% |
| Q3 2024 | 9.03% |
| Q4 2024 | 9.03% |
| Q1 2025 | 8.23% |
| Q2 2025 | 7.76% |
| Q3 2025 | 7.96% |
| Q4 2025 | 8.14% |
| Q1 2026 | 8.25% |
| Q2 2026 | 8.00% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.85% |
| Q3 2024 | 1.08% |
| Q4 2024 | 1.43% |
| Q1 2025 | 1.42% |
| Q2 2025 | 2.02% |
| Q3 2025 | 1.81% |
| Q4 2025 | 1.57% |
| Q1 2026 | 2.56% |
| Q2 2026 | 1.40% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.10% |
| Q3 2024 | 1.13% |
| Q4 2024 | 1.06% |
| Q1 2025 | 0.65% |
| Q2 2025 | 0.68% |
| Q3 2025 | 0.89% |
| Q4 2025 | 0.87% |
| Q1 2026 | 0.65% |
| Q2 2026 | 0.57% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 46 | $722.0M | 8.00% | 1.40% | 0.57% | 82.9% |
| Q1 2026 | 36 | $704.7M | 8.25% | 2.56% | 0.65% | 81.5% |
| Q4 2025 | 48 | $683.7M | 8.14% | 1.57% | 0.87% | 74.0% |
| Q3 2025 | 48 | $687.7M | 7.96% | 1.81% | 0.89% | 70.3% |
| Q2 2025 | 44 | $694.3M | 7.76% | 2.02% | 0.68% | 67.8% |
| Q1 2025 | 52 | $683.2M | 8.23% | 1.42% | 0.65% | 67.8% |
| Q4 2024 | 56 | $616.8M | 9.03% | 1.43% | 1.06% | 75.8% |
| Q3 2024 | 60 | $628.0M | 9.03% | 1.08% | 1.13% | 76.7% |
| Q2 2024 | 62 | $611.2M | 8.87% | 0.85% | 1.10% | 77.6% |
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 |
|---|---|---|---|---|---|
| Texas Gulf Bank, National AssociationBank Houston, TX | 76 out of 100, Strong | $726.9M | 12.0% | 0.00% | vs |
| Grandview BankBank Grandview, TX | 81 out of 100, Strong | $729.3M | 12.4% | 0.12% | vs |
| Pilgrim BankBank Pittsburg, TX | 68 out of 100, Moderate | $714.6M | 10.2% | 0.15% | vs |
| Kleberg Bank, N.A.Bank Kingsville, TX | 70 out of 100, Strong | $736.8M | 9.5% | 0.10% | vs |
| First BankBank Burkburnett, TX | 81 out of 100, Strong | $703.6M | 13.9% | 0.80% | vs |
| Southwest BankBank Odessa, TX | 76 out of 100, Strong | $693.7M | 11.3% | 0.34% | vs |
Deposit insurance
Is my money safe at The First National Bank of Sonora?
Yes. The First National Bank of Sonora is an FDIC-insured institution (FDIC certificate #5531). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.0% of deposits ($173.1M) 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 8.00%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 10.80% (benchmark: 10%).
9 locations
Branches
The First National Bank of Sonora lists 9 offices in 7 cities. Most locations:
- Boerne, TX (2)
- San Angelo, TX (2)
- Bulverde, TX (1)
- Hutto, TX (1)
- New Braunfels, TX (1)
- Sonora, TX (1)
- Wimberley, TX (1)
HMDA 2025
Mortgage lending
In 2025, The First National Bank of Sonora reported 91 home-loan applications under HMDA (LEI 549300CUL44QXBGFJM68): 87 originated ($40,795,000 total), 2 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- The First National Bank of Sonora
- Type
- National bank
- FDIC certificate #
- 5531
- RSSD ID
- 591366
- Primary regulator
- OCC
- Holding company
- First Sonora Bancshares Inc
- Established
- January 1, 1900
- Headquarters
- 102 E Main St, Sonora, TX 76950
- Website
- www.sonorabank.com
- Employees
- 111
Quick answers
The First National Bank of Sonora: common questions
Is The First National Bank of Sonora FDIC insured?
Yes. The First National Bank of Sonora is an FDIC-insured institution (FDIC certificate #5531). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Sonora's TellerScore?
46 out of 100 (Below average), 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 Sonora ever failed?
There is no failure record for FDIC certificate #5531 in the FDIC failed bank list.
How many branches does The First National Bank of Sonora have?
9 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Sonora
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank and Trust, S.S.B.Bank Del Rio, TX | 77 out of 100, Strong | $583.8M | 10.0% | 0.05% | vs |
| Lone Oak Bank, National AssociationBank Eldorado, TX | 67 out of 100, Moderate | $119.6M | 15.3% | 3.08% | vs |