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The First National Bank Of Hughes Springs
Hughes Springs, TX · FDIC Certificate #3268 · Chartered 06/0
Total assets
$319.53M
Total deposits
$283.12M
Total equity
$35.68M
Net loans
$205.62M
Branches (offices)
17
Net income (YTD)
$3.48M
Rank: #2,374 of 4,213 U.S. banks by assets · #205 of 346 in Texas. Assets changed -0.5% and deposits -0.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.18% |
| Return on equity | 20.51% |
| Net interest margin (YTD) | 6.48% |
| Equity to assets | 11.17% |
| Tier 1 leverage ratio | 11.04% |
| Uninsured deposits (share of deposits) | 26.2% |
| Noncurrent loans (share of loans) | 2.23% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 72.6% |
| Real estate loans (share of loans) | 73.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $151.00M | 73.4% | |
| Commercial & industrial | $28.27M | 13.7% | |
| Consumer / individual | $13.09M | 6.4% | |
| Construction & development | $8.16M | 4.0% | |
| Agricultural | $12.53M | 6.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $349.05M | $315.05M | $2.08M | $33.37M |
| Jun 2023 | $324.82M | $285.76M | $6.97M | $38.38M |
| Jun 2024 | $310.25M | $273.46M | $4.48M | $35.96M |
| Jun 2025 | $321.17M | $284.65M | $4.87M | $35.88M |
| Jun 2026 | $319.53M | $283.12M | $3.48M | $35.68M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $283.12M | 17 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $283.12M.
Similar-sized banks
Gateway Bank ($319.55M) · People'S Bank And Trust Company Of Pickett County ($319.04M)
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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