B
The First National Bank of Hughes Springs
Rating Date
October 2025
Risk Based
Capital Ratio
18.34
Leverage
Ratio
12.33
Return On
Assets
2.71%
Total
Assets
315.46M
Capital
38.29M
Total
Deposits
276.21M
Net
Income
6.35M
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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 4.60
Capitalization Index 10.00
Liquidity Index 2.70
Profitability Index 10.00
Stability Index 8.10
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 4.37%
5-Year Asset Growth 2.65%
5-Year Charge-Offs to Average Loans 0.31%
Charge-Offs to Average Loans 0.99%
Non-Performing Assets to Assets 1.35%
Non-Performing Loans to Capital 11.64%
Non-Performing Loans to Loans 1.27%
Balance Sheet The First National Bank of Hughes Springs
Hughes Springs, TX 		Click to
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Total Assets 315.46M
Total Deposits 276.21M
Capital and Reserves The First National Bank of Hughes Springs
Hughes Springs, TX 		Click to
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Capital 38.29M
Leverage Ratio 12.33
Loan Loss Reserves to Loans 0.91%
Risk-Based Capital Ratio 18.34
Liquidity The First National Bank of Hughes Springs
Hughes Springs, TX 		Click to
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Hot Money Ratio 5.12%
Liquidity Ratio 17.81%
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 6.35M
Net Interest Spread 6.83%
Operating Profit to Average Assets 2.71%
Overhead Efficiency Ratio 55.20%
Return on Assets 2.71%
Return on Equity 24.34%