TellerScore

Headquartered in Big Spring, Texas, The State National Bank of Big Spring is a national bank with $640.0M in total assets and $574.9M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1909.

The State National Bank of Big Spring has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 250th. Problem-loan coverage contributes the most (95/100, 2.4%); loan quality contributes the least (46/100, 1.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Tier 1 leverage ratio: 11.19%
Loan quality46/100
Noncurrent loans ÷ total loans: 1.63%
Earnings92/100
Return on assets (annualized): 1.79%
Funding & liquidity57/100
Loans ÷ deposits and uninsured-deposit share: 16.5% · 54.2% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.42%

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 10 points (77 → 67), mostly because the loan quality component weakened by 54 points.

TellerScore
647381Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202481
Q4 202475
Q1 202575
Q2 202577
Q3 202564
Q4 202564
Q1 202670
Q2 202667
Tier 1 leverage ratio
5.00%8.53%12.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.78%
Q3 202412.06%
Q4 202410.23%
Q1 202510.35%
Q2 202510.74%
Q3 202510.79%
Q4 202510.57%
Q1 202611.03%
Q2 202611.19%
Noncurrent loans
0.00%0.82%1.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20251.32%
Q4 20251.32%
Q1 20261.12%
Q2 20261.63%
Return on assets
1.23%1.51%1.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.43%
Q3 20241.40%
Q4 20241.41%
Q1 20251.37%
Q2 20251.44%
Q3 20251.23%
Q4 20251.41%
Q1 20261.75%
Q2 20261.79%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$640.0M11.19%1.63%1.79%16.5%
Q1 202670$615.6M11.03%1.12%1.75%16.4%
Q4 202564$624.2M10.57%1.32%1.41%17.2%
Q3 202564$608.4M10.79%1.32%1.23%17.2%
Q2 202577$577.0M10.74%0.00%1.44%18.9%
Q1 202575$598.6M10.35%0.00%1.37%18.0%
Q4 202475$570.4M10.23%0.00%1.41%17.5%
Q3 202481$552.0M12.06%0.00%1.40%20.3%
Q2 202480$554.9M11.78%0.00%1.43%20.7%

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 ratio11.19%
54th
Total risk-based capital0.00%
24th
Problem loans1.63%
17th
Net charge-offs-0.03%
94th
Return on assets1.79%
80th
Net interest margin2.90%
8th
Efficiency ratio35.0%
98th
Loans to deposits16.5%
99th
Uninsured deposits54.2%
3rd
Loan-loss reserves3.38%
99th
Texas ratio2.4%
53rd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
American State BankBank Arp, TX44 out of 100, Below average$637.8M10.9%2.03%vs
Dominion BankBank Dallas, TX62 out of 100, Moderate$647.4M11.2%0.73%vs
Community Bank & Trust, Waco, TexasBank Waco, TX90 out of 100, Very strong$649.1M15.5%0.21%vs
American Bank, National AssociationBank Waco, TX77 out of 100, Strong$625.2M10.9%0.01%vs
Worthington BankBank Arlington, TX67 out of 100, Moderate$655.4M9.3%0.16%vs
Classic Bank, National AssociationBank Cameron, TX68 out of 100, Moderate$657.5M11.6%1.26%vs

Deposit insurance

Is my money safe at The State National Bank of Big Spring?

Yes. The State National Bank of Big Spring is an FDIC-insured institution (FDIC certificate #3103). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 54.2% of deposits ($311.7M) 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 11.19%, 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

3 locations

Branches

The State National Bank of Big Spring lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The State National Bank of Big Spring
Type
National bank
FDIC certificate #
3103
RSSD ID
169354
Primary regulator
OCC
Holding company
Snb Financial Inc
Established
March 1, 1909
Headquarters
901 S Main St, Big Spring, TX 79720
Employees
34

Quick answers

The State National Bank of Big Spring: common questions

Is The State National Bank of Big Spring FDIC insured?

Yes. The State National Bank of Big Spring is an FDIC-insured institution (FDIC certificate #3103). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The State National Bank of Big Spring'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 State National Bank of Big Spring ever failed?

There is no failure record for FDIC certificate #3103 in the FDIC failed bank list.

How many branches does The State National Bank of Big Spring have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Big Spring

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
The First National Bank of StantonBank Stanton, TX85 out of 100, Very strong$394.9M17.5%1.08%vs
Western BankBank Lubbock, TX71 out of 100, Strong$947.2M9.8%0.31%vs
Prosperity BankBank El Campo, TX71 out of 100, Strong$43.9B10.6%0.48%vs
Community National BankBank Midland, TX70 out of 100, Strong$2.5B12.7%1.66%vs