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The First National Bank Of Sterling City
Sterling City, TX · FDIC Certificate #5538 · Chartered 08/0
Total assets
$240.14M
Total deposits
$218.37M
Total equity
$21.57M
Net loans
$44.91M
Branches (offices)
3
Net income (YTD)
$2.08M
Rank: #2,770 of 4,213 U.S. banks by assets · #238 of 346 in Texas. Assets changed 6.3% and deposits 3.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.67% |
| Return on equity | 19.20% |
| Net interest margin (YTD) | 2.95% |
| Equity to assets | 8.98% |
| Tier 1 leverage ratio | 11.62% |
| Uninsured deposits (share of deposits) | 46.5% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 20.6% |
| Real estate loans (share of loans) | 53.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $24.13M | 53.7% | |
| Commercial & industrial | $8.47M | 18.9% | |
| Consumer / individual | $4.53M | 10.1% | |
| Construction & development | $2.03M | 4.5% | |
| Agricultural | $8.26M | 18.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $244.42M | $237.84M | $1.02M | $5.90M |
| Jun 2023 | $228.87M | $224.31M | $1.70M | $4.43M |
| Jun 2024 | $223.01M | $213.45M | $1.53M | $9.39M |
| Jun 2025 | $226.01M | $210.35M | $1.62M | $15.49M |
| Jun 2026 | $240.14M | $218.37M | $2.08M | $21.57M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $218.37M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $218.37M.
Similar-sized banks
Peoples Trust And Savings Bank ($240.62M) · Bank Of Farmington ($240.08M)
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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