B
The First National Bank of Hughes Springs
Rating Date
June 2025
Risk Based
Capital Ratio
16.32
Leverage
Ratio
11.19
Return On
Assets
3.02%
Total
Assets
318.25M
Capital
33.55M
Total
Deposits
284.33M
Net
Income
2.34M
My Lists My Alerts
Weiss Ratings The First National Bank of Hughes Springs
Hughes Springs, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating B
Asset Quality Index 4.50
Capitalization Index 10.00
Liquidity Index 2.50
Profitability Index 8.30
Stability Index 7.80
Company Info The First National Bank of Hughes Springs
Hughes Springs, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
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
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth -1.99%
5-Year Asset Growth 2.65%
5-Year Charge-Offs to Average Loans 0.31%
Charge-Offs to Average Loans -0.14%
Non-Performing Assets to Assets 1.30%
Non-Performing Loans to Capital 11.19%
Non-Performing Loans to Loans 1.78%
Balance Sheet The First National Bank of Hughes Springs
Hughes Springs, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 318.25M
Total Deposits 284.33M
Capital and Reserves The First National Bank of Hughes Springs
Hughes Springs, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 33.55M
Leverage Ratio 11.19
Loan Loss Reserves to Loans 1.13%
Risk-Based Capital Ratio 16.32
Liquidity The First National Bank of Hughes Springs
Hughes Springs, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 5.70%
Liquidity Ratio 15.49%
Profitability The First National Bank of Hughes Springs
Hughes Springs, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 2.07%
Net Income 2.34M
Net Interest Spread 6.84%
Operating Profit to Average Assets 3.02%
Overhead Efficiency Ratio 59.57%
Return on Assets 3.02%
Return on Equity 28.69%