D
The First National Bank of Tom Bean
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The First National Bank of Tom Bean
Tom Bean, TX
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Rating D
Asset Quality Index 6.00
Capitalization Index 10.00
Liquidity Index 0.20
Profitability Index 5.90
Stability Index 3.70
Company Info The First National Bank of Tom Bean
Tom Bean, TX
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FDIC Number 5557
Phone Number (903) 546-6275
Website www.fnbtb.com
Asset Quality The First National Bank of Tom Bean
Tom Bean, TX
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1-Year Asset Growth 3.12%
5-Year Asset Growth 3.84%
5-Year Charge-Offs to Average Loans 0.28%
Charge-Offs to Average Loans 0.10%
Non-Performing Assets to Assets 0.85%
Non-Performing Loans to Capital 6.99%
Non-Performing Loans to Loans 1.01%
Balance Sheet The First National Bank of Tom Bean
Tom Bean, TX
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Total Assets 150.38M
Total Deposits 131.97M
Capital and Reserves The First National Bank of Tom Bean
Tom Bean, TX
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Capital 17.06M
Leverage Ratio 11.50
Loan Loss Reserves to Loans 1.59%
Risk-Based Capital Ratio 17.81
Liquidity The First National Bank of Tom Bean
Tom Bean, TX
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Hot Money Ratio 38.19%
Liquidity Ratio 21.43%
Profitability The First National Bank of Tom Bean
Tom Bean, TX
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5-Year Return on Average Assets 0.69%
Net Income 1.19M
Net Interest Spread 5.41%
Operating Profit to Average Assets 1.58%
Overhead Efficiency Ratio 67.27%
Return on Assets 1.09%
Return on Equity 9.56%