E
The First National Bank of Bellville
Rating Date
April 2025
Risk Based
Capital Ratio
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Major Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.8) profitability.
Other Rating Factors: Fair liquidity 3.8, driven by a liquidity ratio of 19.0 percent and a “hot money” ratio of 36.7 percent. A current level of 0.1 percent of nonperforming loans to core capital combined with -19.1 percent from a year earlier contributes to the Excellent asset quality (9.6).
Asset Mix: Securities (53%), home mtgs (14%), cash (10%), comm re (8%), comm loans (2%), consumer loans (2%), other (11%)
States with Branches: TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
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Loan Loss Reserves to Loans
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5-Year Charge-Offs to Average Loans
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Liquidity Ratio
Hot Money
Corporate Info
Group Affiliation
Industry Bancshares, Inc.
Investment Rating
--
Address
100 East Main Street
Bellville, TX 77418
Phone Number
(979) 865-3181
Year Founded
1890
FDIC Number
Largest Affiliates
E
Buffalo, TX - Bank
E
Industry, TX - Bank
E
Fayetteville, TX - Bank