TellerScore

The First National Bank of Stanton (FDIC certificate #5536) is based in Stanton, Texas. Its Q2 2026 call report shows $394.9M in total assets and $328.4M in deposits and 2 offices.

The First National Bank of Stanton has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 88% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 48th. Capital cushion contributes the most (100/100, 17.49%); funding & liquidity contributes the least (63/100, 30% loans-to-deposits, 48% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 17.49%
Loan quality64/100
Noncurrent loans ÷ total loans: 1.08%
Earnings100/100
Return on assets (annualized): 2.52%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 29.9% · 48.3% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.61%

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 fell 9 points (94 → 85), mostly because the loan quality component weakened by 36 points.

TellerScore
859095Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202495
Q3 202494
Q4 202492
Q1 202593
Q2 202594
Q3 202594
Q4 202593
Q1 202695
Q2 202685
Tier 1 leverage ratio
5.00%11.24%17.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.28%
Q3 202414.61%
Q4 202414.16%
Q1 202514.60%
Q2 202515.51%
Q3 202516.09%
Q4 202515.46%
Q1 202615.79%
Q2 202617.49%
Noncurrent loans
0.00%0.54%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.01%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.06%
Q4 20250.02%
Q1 20260.01%
Q2 20261.08%
Return on assets
2.44%2.52%2.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.59%
Q3 20242.54%
Q4 20242.57%
Q1 20252.44%
Q2 20252.58%
Q3 20252.53%
Q4 20252.53%
Q1 20262.51%
Q2 20262.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$394.9M17.49%1.08%2.52%29.9%
Q1 202695$414.1M15.79%0.01%2.51%31.3%
Q4 202593$436.4M15.46%0.02%2.53%28.2%
Q3 202594$422.5M16.09%0.06%2.53%29.0%
Q2 202594$423.3M15.51%0.00%2.58%27.7%
Q1 202593$424.3M14.60%0.00%2.44%27.4%
Q4 202492$429.9M14.16%0.00%2.57%26.3%
Q3 202494$414.2M14.61%0.01%2.54%29.0%
Q2 202495$375.1M15.28%0.00%2.59%30.3%

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 ratio17.49%
94th
Total risk-based capital41.39%
98th
Problem loans1.08%
26th
Net charge-offs0.03%
34th
Return on assets2.52%
95th
Net interest margin4.06%
57th
Efficiency ratio30.8%
99th
Loans to deposits29.9%
98th
Uninsured deposits48.3%
5th
Loan-loss reserves2.39%
96th
Texas ratio1.6%
62nd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Austin Capital Bank SSBBank Austin, TX67 out of 100, Moderate$395.4M10.2%0.30%vs
Peoples State Bank of HallettsvilleBank Hallettsville, TX73 out of 100, Strong$395.6M10.1%0.18%vs
TrustTexas Bank, SSBBank Cuero, TX54 out of 100, Below average$393.5M8.0%0.67%vs
Farmers State BankBank Center, TX89 out of 100, Very strong$391.5M14.4%0.59%vs
Lakeside BankBank Rockwall, TX92 out of 100, Very strong$389.2M14.4%0.00%vs
The MINT National BankBank Kingwood, TX61 out of 100, Moderate$388.9M18.3%2.78%vs

Deposit insurance

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

Yes. The First National Bank of Stanton is an FDIC-insured institution (FDIC certificate #5536). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 48.3% of deposits ($158.5M) 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 17.49%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 41.39% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

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

All branch addresses and map

Identity & history

Profile

Legal name
The First National Bank of Stanton
Type
National bank
FDIC certificate #
5536
RSSD ID
458665
Primary regulator
OCC
Established
January 1, 1906
Headquarters
119 North St. Peter, Stanton, TX 79782
Employees
25

Quick answers

The First National Bank of Stanton: common questions

Is The First National Bank of Stanton FDIC insured?

Yes. The First National Bank of Stanton is an FDIC-insured institution (FDIC certificate #5536). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

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

85 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 Stanton ever failed?

There is no failure record for FDIC certificate #5536 in the FDIC failed bank list.

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

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Stanton

InstitutionScoreAssetsCapitalProblem loansCompare
Big Spring Education Employees Federal Credit UnionCredit union Big Spring, TX99 out of 100, Very strong$55.3M18.6%0.13%vs
Citizens Federal Credit UnionCredit union Big Spring, TX90 out of 100, Very strong$201.9M14.6%0.13%vs
Complex Community Federal Credit UnionCredit union Odessa, TX85 out of 100, Very strong$818.2M13.8%0.59%vs
Midland Municipal Employees Credit UnionCredit union Midland, TX85 out of 100, Very strong$17.1M14.9%0.44%vs
The First National Bank of Sterling CityBank Sterling City, TX82 out of 100, Strong$240.1M11.6%0.00%vs
Southwest BankBank Odessa, TX76 out of 100, Strong$693.7M11.3%0.34%vs