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The First National Bank Of Mertzon
Mertzon, TX · FDIC Certificate #3339 · Chartered 01/0
Total assets
$500.29M
Total deposits
$420.24M
Total equity
$78.91M
Net loans
$89.48M
Branches (offices)
3
Net income (YTD)
$4.29M
Rank: #1,786 of 4,213 U.S. banks by assets · #162 of 346 in Texas. Assets changed -7.3% and deposits -10.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.72% |
| Return on equity | 11.18% |
| Net interest margin (YTD) | 3.21% |
| Equity to assets | 15.77% |
| Tier 1 leverage ratio | 15.75% |
| Uninsured deposits (share of deposits) | 61.7% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 21.3% |
| Real estate loans (share of loans) | 74.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $66.65M | 74.5% | |
| Commercial & industrial | $16.22M | 18.1% | |
| Consumer / individual | $3.38M | 3.8% | |
| Construction & development | $8.86M | 9.9% | |
| Agricultural | $4.30M | 4.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $529.13M | $487.41M | $1.53M | $41.47M |
| Jun 2023 | $494.98M | $443.15M | $5.59M | $51.23M |
| Jun 2024 | $505.52M | $443.73M | $5.20M | $60.84M |
| Jun 2025 | $539.67M | $467.70M | $5.30M | $70.88M |
| Jun 2026 | $500.29M | $420.24M | $4.29M | $78.91M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $420.24M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $420.24M.
Similar-sized banks
Shamrock Bank, N.A. ($501.46M) · The Napoleon State Bank ($499.22M)
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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