B
The First National Bank in Cooper
CooperTX
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The First National Bank in Cooper
Cooper, TX
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Rating B
Asset Quality Index 9.10
Capitalization Index 10.00
Liquidity Index 3.10
Profitability Index 4.10
Stability Index 6.90
Company Info The First National Bank in Cooper
Cooper, TX
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FDIC Number 3149
Phone Number (903) 395-2131
Website www.fnbcooper.com
Asset Quality The First National Bank in Cooper
Cooper, TX
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1-Year Asset Growth 1.63%
5-Year Asset Growth 3.32%
5-Year Charge-Offs to Average Loans -0.07%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.01%
Non-Performing Loans to Loans 0.00%
Balance Sheet The First National Bank in Cooper
Cooper, TX
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Total Assets 54.21M
Total Deposits 46.97M
Capital and Reserves The First National Bank in Cooper
Cooper, TX
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Capital 7.03M
Leverage Ratio 13.56
Loan Loss Reserves to Loans 0.75%
Risk-Based Capital Ratio --
Liquidity The First National Bank in Cooper
Cooper, TX
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Hot Money Ratio 14.85%
Liquidity Ratio 27.19%
Profitability The First National Bank in Cooper
Cooper, TX
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5-Year Return on Average Assets 0.79%
Net Income 234.00K
Net Interest Spread 3.02%
Operating Profit to Average Assets 1.02%
Overhead Efficiency Ratio 68.76%
Return on Assets 0.86%
Return on Equity 6.75%