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Fannin Bank
Bonham, TX · FDIC Certificate #5589 · Chartered 04/2
Total assets
$159.09M
Total deposits
$147.14M
Total equity
$10.44M
Net loans
$81.25M
Branches (offices)
2
Net income (YTD)
$1.12M
Rank: #3,235 of 4,213 U.S. banks by assets · #274 of 346 in Texas. Assets changed 7.5% and deposits 5.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.46% |
| Return on equity | 22.18% |
| Net interest margin (YTD) | 3.78% |
| Equity to assets | 6.56% |
| Tier 1 leverage ratio | 8.60% |
| Uninsured deposits (share of deposits) | 22.0% |
| Noncurrent loans (share of loans) | 1.04% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 55.2% |
| Real estate loans (share of loans) | 70.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $57.14M | 70.3% | |
| Commercial & industrial | $9.75M | 12.0% | |
| Consumer / individual | $2.55M | 3.1% | |
| Construction & development | $9.81M | 12.1% | |
| Agricultural | $13.10M | 16.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $139.31M | $129.11M | $497.00K | $4.05M |
| Jun 2023 | $141.82M | $126.06M | $431.00K | $4.34M |
| Jun 2024 | $139.61M | $132.53M | $472.00K | $5.58M |
| Jun 2025 | $148.06M | $139.42M | $695.00K | $7.02M |
| Jun 2026 | $159.09M | $147.14M | $1.12M | $10.44M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $147.14M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $147.14M.
Similar-sized banks
Home Federal Savings And Loan Association Of Niles ($159.09M) · Liberty State Bank ($159.05M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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