B
The First National Bank of Sterling City
Rating Date
June 2025
Risk Based
Capital Ratio
36.00
Leverage
Ratio
10.58
Return On
Assets
1.31%
Total
Assets
226.88M
Capital
14.62M
Total
Deposits
212.13M
Net
Income
810.00K
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Weiss Ratings The First National Bank of Sterling City
Sterling City, TX 		Click to
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Rating B
Asset Quality Index 9.80
Capitalization Index 9.40
Liquidity Index 5.90
Profitability Index 4.70
Stability Index 3.30
Company Info The First National Bank of Sterling City
Sterling City, TX 		Click to
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FDIC Number 5538
Phone Number (325) 378-2191
Website www.thefnbsc.com
Asset Quality The First National Bank of Sterling City
Sterling City, TX 		Click to
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1-Year Asset Growth -7.35%
5-Year Asset Growth 2.86%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet The First National Bank of Sterling City
Sterling City, TX 		Click to
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Total Assets 226.88M
Total Deposits 212.13M
Capital and Reserves The First National Bank of Sterling City
Sterling City, TX 		Click to
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Capital 14.62M
Leverage Ratio 10.58
Loan Loss Reserves to Loans 1.10%
Risk-Based Capital Ratio 36.00
Liquidity The First National Bank of Sterling City
Sterling City, TX 		Click to
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Hot Money Ratio 5.27%
Liquidity Ratio 42.55%
Profitability The First National Bank of Sterling City
Sterling City, TX 		Click to
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5-Year Return on Average Assets 0.96%
Net Income 810.00K
Net Interest Spread 2.77%
Operating Profit to Average Assets 1.31%
Overhead Efficiency Ratio 48.67%
Return on Assets 1.31%
Return on Equity 25.23%