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First National Bank Of Bosque County
Valley Mills, TX · FDIC Certificate #5564 · Chartered 08/0
Total assets
$182.29M
Total deposits
$158.29M
Total equity
$23.53M
Net loans
$134.99M
Branches (offices)
4
Net income (YTD)
$1.97M
Rank: #3,099 of 4,213 U.S. banks by assets · #262 of 346 in Texas. Assets changed 4.9% and deposits 4.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.12% |
| Return on equity | 17.12% |
| Net interest margin (YTD) | 4.58% |
| Equity to assets | 12.91% |
| Tier 1 leverage ratio | 12.79% |
| Uninsured deposits (share of deposits) | 19.5% |
| Noncurrent loans (share of loans) | 0.72% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 85.3% |
| Real estate loans (share of loans) | 72.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $97.56M | 72.3% | |
| Commercial & industrial | $26.77M | 19.8% | |
| Consumer / individual | $6.50M | 4.8% | |
| Construction & development | $12.89M | 9.5% | |
| Agricultural | $5.68M | 4.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $184.73M | $169.74M | $813.00K | $14.24M |
| Jun 2023 | $179.79M | $153.25M | $1.65M | $15.86M |
| Jun 2024 | $174.64M | $155.36M | $1.86M | $18.49M |
| Jun 2025 | $173.77M | $152.25M | $1.90M | $21.01M |
| Jun 2026 | $182.29M | $158.29M | $1.97M | $23.53M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $158.29M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $158.29M.
Similar-sized banks
F&M Bank And Trust Company ($182.36M) · Foundation One Bank ($182.24M)
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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