The First National Bank of Sterling City (FDIC certificate #5538) is based in Sterling City, Texas. Its Q2 2026 call report shows $240.1M in total assets and $218.4M in deposits and 3 offices.
The First National Bank of Sterling City has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 70th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (65/100, 21% loans-to-deposits, 46% uninsured).
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 (80 → 82), mostly because the earnings component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 77 |
| Q4 2024 | 77 |
| Q1 2025 | 77 |
| Q2 2025 | 80 |
| Q3 2025 | 80 |
| Q4 2025 | 80 |
| Q1 2026 | 80 |
| Q2 2026 | 82 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.00% |
| Q3 2024 | 10.60% |
| Q4 2024 | 10.81% |
| Q1 2025 | 10.58% |
| Q2 2025 | 11.42% |
| Q3 2025 | 11.40% |
| Q4 2025 | 11.56% |
| Q1 2026 | 10.96% |
| Q2 2026 | 11.62% |
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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 | 1.31% |
| Q3 2024 | 1.28% |
| Q4 2024 | 1.28% |
| Q1 2025 | 1.43% |
| Q2 2025 | 1.43% |
| Q3 2025 | 1.46% |
| Q4 2025 | 1.47% |
| Q1 2026 | 1.68% |
| Q2 2026 | 1.67% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $240.1M | 11.62% | 0.00% | 1.67% | 20.6% |
| Q1 2026 | 80 | $259.1M | 10.96% | 0.00% | 1.68% | 17.8% |
| Q4 2025 | 80 | $245.3M | 11.56% | 0.00% | 1.47% | 18.1% |
| Q3 2025 | 80 | $241.4M | 11.40% | 0.00% | 1.46% | 19.6% |
| Q2 2025 | 80 | $226.0M | 11.42% | 0.00% | 1.43% | 20.7% |
| Q1 2025 | 77 | $226.9M | 10.58% | 0.00% | 1.43% | 20.6% |
| Q4 2024 | 77 | $226.0M | 10.81% | 0.00% | 1.28% | 17.9% |
| Q3 2024 | 77 | $226.1M | 10.60% | 0.00% | 1.28% | 17.6% |
| Q2 2024 | 75 | $223.0M | 10.00% | 0.00% | 1.31% | 16.2% |
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 |
|---|---|---|---|---|---|
| Spring Hill State BankBank Longview, TX | 79 out of 100, Strong | $238.5M | 16.7% | 0.94% | vs |
| National Bank & TrustBank La Grange, TX | 72 out of 100, Strong | $242.0M | 10.8% | 0.17% | vs |
| Cypress Bank, SSBBank Pittsburg, TX | 59 out of 100, Moderate | $235.5M | 11.4% | 1.84% | vs |
| Bridge City State BankBank Bridge City, TX | 76 out of 100, Strong | $246.8M | 11.7% | 0.08% | vs |
| The First National Bank of AndersonBank Anderson, TX | 81 out of 100, Strong | $230.4M | 12.0% | 0.16% | vs |
| The City National Bank of TaylorBank Taylor, TX | 82 out of 100, Strong | $250.3M | 12.9% | 0.38% | vs |
Deposit insurance
Is my money safe at The First National Bank of Sterling City?
Yes. The First National Bank of Sterling City is an FDIC-insured institution (FDIC certificate #5538). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 46.5% of deposits ($101.4M) 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 11.62%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 40.26% (benchmark: 10%).
3 locations
Branches
The First National Bank of Sterling City lists 3 offices in 3 cities. Most locations:
- Bronte, TX (1)
- Garden City, TX (1)
- Sterling City, TX (1)
Identity & history
Profile
- Legal name
- The First National Bank of Sterling City
- Type
- National bank
- FDIC certificate #
- 5538
- RSSD ID
- 411062
- Primary regulator
- OCC
- Holding company
- Sterling City Bancshares Inc
- Established
- August 2, 1910
- Headquarters
- 602 4th St, Sterling City, TX 76951
- Website
- www.thefnbsc.com
- Employees
- 20
Quick answers
The First National Bank of Sterling City: common questions
Is The First National Bank of Sterling City FDIC insured?
Yes. The First National Bank of Sterling City is an FDIC-insured institution (FDIC certificate #5538). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Sterling City's TellerScore?
82 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 Sterling City ever failed?
There is no failure record for FDIC certificate #5538 in the FDIC failed bank list.
How many branches does The First National Bank of Sterling City have?
3 offices as of the latest FDIC data.