TellerScore

Headquartered in Tom Bean, Texas, The First National Bank of Tom Bean is a national bank with $155.6M in total assets and $135.7M in deposits as of Q2 2026. It operates 4 offices across 2 states. Its charter dates back to 1906.

Based on its Q2 2026 filing, The First National Bank of Tom Bean scores 67/100, which we describe as moderate. That is higher than only 34% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 254th. Its strongest component is problem-loan coverage (85/100; 7.6%), and its lowest is loan quality (59/100; 1.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion71/100
Tier 1 leverage ratio: 12.15%
Loan quality59/100
Noncurrent loans ÷ total loans: 1.23%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 93.2% · 17.2% uninsured
Problem-loan coverage85/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.56%

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 3 points (64 → 67), mostly because the loan quality component improved by 7 points.

TellerScore
646974Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202474
Q4 202474
Q1 202574
Q2 202564
Q3 202567
Q4 202571
Q1 202668
Q2 202667
Tier 1 leverage ratio
5.00%8.68%12.35%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.12%
Q3 202410.99%
Q4 202411.13%
Q1 202511.46%
Q2 202511.63%
Q3 202511.50%
Q4 202512.11%
Q1 202612.35%
Q2 202612.15%
Noncurrent loans
0.18%0.81%1.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.90%
Q3 20240.18%
Q4 20240.18%
Q1 20250.52%
Q2 20251.44%
Q3 20251.12%
Q4 20251.33%
Q1 20261.15%
Q2 20261.23%
Return on assets
0.88%1.24%1.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.89%
Q3 20240.88%
Q4 20240.90%
Q1 20251.31%
Q2 20251.04%
Q3 20251.10%
Q4 20251.61%
Q1 20260.92%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$155.6M12.15%1.23%1.05%93.2%
Q1 202668$147.2M12.35%1.15%0.92%92.5%
Q4 202571$149.7M12.11%1.33%1.61%90.3%
Q3 202567$150.4M11.50%1.12%1.10%87.8%
Q2 202564$143.7M11.63%1.44%1.04%90.0%
Q1 202574$142.3M11.46%0.52%1.31%89.0%
Q4 202474$143.1M11.13%0.18%0.90%82.7%
Q3 202474$145.8M10.99%0.18%0.88%81.1%
Q2 202467$141.2M11.12%0.90%0.89%84.3%

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 ratio12.15%
66th
Total risk-based capital0.00%
24th
Problem loans1.23%
23rd
Net charge-offs0.38%
7th
Return on assets1.05%
37th
Net interest margin5.60%
97th
Efficiency ratio65.0%
42nd
Loans to deposits93.2%
20th
Uninsured deposits17.2%
74th
Loan-loss reserves1.71%
87th
Texas ratio7.6%
25th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Graham Savings and Loan, SSBBank Graham, TX72 out of 100, Strong$155.1M11.7%0.86%vs
First National Bank of Fort StocktonBank Fort Stockton, TX77 out of 100, Strong$153.5M12.2%0.02%vs
The First National Bank of WinnsboroBank Winnsboro, TX86 out of 100, Very strong$158.2M22.7%1.10%vs
Fannin BankBank Bonham, TX65 out of 100, Moderate$159.1M8.6%1.04%vs
Agility Bank, National AssociationBank Houston, TX62 out of 100, Moderate$151.6M20.0%1.18%vs
First State BankBank Shallowater, TX84 out of 100, Strong$150.8M15.9%0.23%vs

Deposit insurance

Is my money safe at The First National Bank of Tom Bean?

Yes. The First National Bank of Tom Bean is an FDIC-insured institution (FDIC certificate #5557). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.2% of deposits ($23.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.15%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

The First National Bank of Tom Bean lists 4 offices in 4 cities across 2 states. Most locations:

  • Clarksville, TX (1)
  • Hope, AR (1)
  • Lewisville, AR (1)
  • Tom Bean, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
The First National Bank of Tom Bean
Type
National bank
FDIC certificate #
5557
RSSD ID
193162
Primary regulator
OCC
Holding company
Tom Bean Bank Holding Co
Established
September 22, 1906
Headquarters
109 S Britton St, Tom Bean, TX 75489
Employees
41

Quick answers

The First National Bank of Tom Bean: common questions

Is The First National Bank of Tom Bean FDIC insured?

Yes. The First National Bank of Tom Bean is an FDIC-insured institution (FDIC certificate #5557). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Tom Bean's TellerScore?

67 out of 100 (Moderate), 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 Tom Bean ever failed?

There is no failure record for FDIC certificate #5557 in the FDIC failed bank list.

How many branches does The First National Bank of Tom Bean have?

4 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Tom Bean

InstitutionScoreAssetsCapitalProblem loansCompare
Fannin Federal Credit UnionCredit union Bonham, TX94 out of 100, Very strong$80.9M20.2%0.61%vs
Texoma Educators Federal Credit UnionCredit union Sherman, TX87 out of 100, Very strong$128.1M14.8%0.96%vs
Legend Bank, N.A.Bank Bowie, TX82 out of 100, Strong$1.3B10.4%0.12%vs
Community National Bank & Trust of TexasBank Corsicana, TX76 out of 100, Strong$1.7B10.6%0.09%vs
First Texas National BankBank Floydada, TX76 out of 100, Strong$216.9M9.7%0.00%vs
The First Bank of CelesteBank Celeste, TX75 out of 100, Strong$83.9M8.4%0.00%vs