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The First National Bank Of Tom Bean
Tom Bean, TX · FDIC Certificate #5557 · Chartered 09/2
Total assets
$155.56M
Total deposits
$135.70M
Total equity
$18.69M
Net loans
$126.52M
Branches (offices)
4
Net income (YTD)
$795.00K
Rank: #3,262 of 4,213 U.S. banks by assets · #276 of 346 in Texas. Assets changed 8.3% and deposits 8.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.05% |
| Return on equity | 8.65% |
| Net interest margin (YTD) | 5.60% |
| Equity to assets | 12.02% |
| Tier 1 leverage ratio | 12.15% |
| Uninsured deposits (share of deposits) | 17.2% |
| Noncurrent loans (share of loans) | 1.23% |
| Net charge-offs (share of loans) | 0.38% |
| Loans to deposits | 93.2% |
| Real estate loans (share of loans) | 64.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $81.42M | 64.4% | |
| Commercial & industrial | $18.08M | 14.3% | |
| Consumer / individual | $13.60M | 10.8% | |
| Construction & development | $6.07M | 4.8% | |
| Agricultural | $14.07M | 11.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $128.90M | $114.24M | $544.00K | $14.09M |
| Jun 2023 | $130.76M | $115.04M | $277.00K | $14.71M |
| Jun 2024 | $141.21M | $125.05M | $618.00K | $15.67M |
| Jun 2025 | $143.66M | $125.58M | $743.00K | $16.70M |
| Jun 2026 | $155.56M | $135.70M | $795.00K | $18.69M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $98.57M | 2 |
| Arkansas | $37.13M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $135.70M.
Similar-sized banks
Federation Bank ($155.84M) · Icon Business Bank ($155.51M)
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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