B
The First National Bank of Hughes Springs
Rating Date
March 2026
Risk Based
Capital Ratio
16.39
Leverage
Ratio
10.12
Return On
Assets
2.56%
Total
Assets
316.48M
Capital
32.17M
Total
Deposits
284.16M
Net
Income
8.05M
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Weiss Ratings The First National Bank of Hughes Springs
Hughes Springs, TX 		Click to
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Rating B
Asset Quality Index 4.20
Capitalization Index 8.70
Liquidity Index 2.80
Profitability Index 10.00
Stability Index 7.70
Company Info The First National Bank of Hughes Springs
Hughes Springs, TX 		Click to
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FDIC Number 3268
Phone Number (903) 639-2521
Website www.fnbhs.com
Asset Quality The First National Bank of Hughes Springs
Hughes Springs, TX 		Click to
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1-Year Asset Growth 4.30%
5-Year Asset Growth -0.49%
5-Year Charge-Offs to Average Loans 0.31%
Charge-Offs to Average Loans 0.74%
Non-Performing Assets to Assets 1.38%
Non-Performing Loans to Capital 9.83%
Non-Performing Loans to Loans 1.37%
Balance Sheet The First National Bank of Hughes Springs
Hughes Springs, TX 		Click to
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Total Assets 316.48M
Total Deposits 284.16M
Capital and Reserves The First National Bank of Hughes Springs
Hughes Springs, TX 		Click to
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Capital 32.17M
Leverage Ratio 10.12
Loan Loss Reserves to Loans 1.27%
Risk-Based Capital Ratio 16.39
Liquidity The First National Bank of Hughes Springs
Hughes Springs, TX 		Click to
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Hot Money Ratio 5.02%
Liquidity Ratio 19.27%
Profitability The First National Bank of Hughes Springs
Hughes Springs, TX 		Click to
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5-Year Return on Average Assets 2.07%
Net Income 8.05M
Net Interest Spread 6.79%
Operating Profit to Average Assets 2.56%
Overhead Efficiency Ratio 54.86%
Return on Assets 2.56%
Return on Equity 23.18%