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The First National Bank Of Ballinger
Ballinger, TX · FDIC Certificate #3087 · Chartered 06/2
Total assets
$275.27M
Total deposits
$244.94M
Total equity
$28.02M
Net loans
$150.77M
Branches (offices)
3
Net income (YTD)
$2.12M
Rank: #2,592 of 4,213 U.S. banks by assets · #224 of 346 in Texas. Assets changed 5.6% and deposits 4.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.54% |
| Return on equity | 15.26% |
| Net interest margin (YTD) | 4.29% |
| Equity to assets | 10.18% |
| Tier 1 leverage ratio | 10.52% |
| Uninsured deposits (share of deposits) | 25.2% |
| Noncurrent loans (share of loans) | 0.03% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 61.6% |
| Real estate loans (share of loans) | 82.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $123.74M | 82.1% | |
| Commercial & industrial | $22.86M | 15.2% | |
| Consumer / individual | $1.71M | 1.1% | |
| Construction & development | $16.57M | 11.0% | |
| Agricultural | $5.72M | 3.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $261.20M | $241.59M | $2.14M | $18.34M |
| Jun 2023 | $256.47M | $235.63M | $2.04M | $19.61M |
| Jun 2024 | $256.41M | $232.54M | $2.13M | $22.46M |
| Jun 2025 | $260.77M | $233.72M | $2.10M | $25.61M |
| Jun 2026 | $275.27M | $244.94M | $2.12M | $28.02M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $244.94M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $244.94M.
Similar-sized banks
First Federal Bank ($275.58M) · First New Mexico Bank ($275.14M)
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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