B
The First National Bank of Sterling City
Rating Date
October 2025
Risk Based
Capital Ratio
37.57
Leverage
Ratio
11.40
Return On
Assets
1.39%
Total
Assets
241.35M
Capital
19.94M
Total
Deposits
221.20M
Net
Income
2.52M
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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 5.90
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 6.74%
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 241.35M
Total Deposits 221.20M
Capital and Reserves The First National Bank of Sterling City
Sterling City, TX 		Click to
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Capital 19.94M
Leverage Ratio 11.40
Loan Loss Reserves to Loans 1.11%
Risk-Based Capital Ratio 37.57
Liquidity The First National Bank of Sterling City
Sterling City, TX 		Click to
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Hot Money Ratio 4.57%
Liquidity Ratio 40.87%
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 2.52M
Net Interest Spread 2.85%
Operating Profit to Average Assets 1.39%
Overhead Efficiency Ratio 49.08%
Return on Assets 1.39%
Return on Equity 22.13%