B
The First National Bank of Sterling City
Rating Date
March 2026
Risk Based
Capital Ratio
39.82
Leverage
Ratio
11.56
Return On
Assets
1.41%
Total
Assets
245.32M
Capital
21.33M
Total
Deposits
223.88M
Net
Income
3.42M
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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 10.00
Liquidity Index 6.10
Profitability Index 5.30
Stability Index 3.60
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 8.54%
5-Year Asset Growth 3.29%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.03%
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 245.32M
Total Deposits 223.88M
Capital and Reserves The First National Bank of Sterling City
Sterling City, TX 		Click to
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Capital 21.33M
Leverage Ratio 11.56
Loan Loss Reserves to Loans 1.15%
Risk-Based Capital Ratio 39.82
Liquidity The First National Bank of Sterling City
Sterling City, TX 		Click to
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Hot Money Ratio 4.54%
Liquidity Ratio 44.19%
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 3.42M
Net Interest Spread 2.88%
Operating Profit to Average Assets 1.41%
Overhead Efficiency Ratio 49.48%
Return on Assets 1.41%
Return on Equity 20.64%