D
The First National Bank of Tom Bean
Rating Date
March 2026
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 5.90
Capitalization Index 10.00
Liquidity Index 0.20
Profitability Index 7.40
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 4.61%
5-Year Asset Growth 0.91%
5-Year Charge-Offs to Average Loans 0.28%
Charge-Offs to Average Loans 0.23%
Non-Performing Assets to Assets 0.88%
Non-Performing Loans to Capital 7.94%
Non-Performing Loans to Loans 1.02%
Balance Sheet The First National Bank of Tom Bean
Tom Bean, TX
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Total Assets 149.66M
Total Deposits 130.72M
Capital and Reserves The First National Bank of Tom Bean
Tom Bean, TX
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Capital 18.13M
Leverage Ratio 12.11
Loan Loss Reserves to Loans 1.69%
Risk-Based Capital Ratio 18.70
Liquidity The First National Bank of Tom Bean
Tom Bean, TX
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Hot Money Ratio 39.14%
Liquidity Ratio 19.37%
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 2.35M
Net Interest Spread 5.64%
Operating Profit to Average Assets 1.98%
Overhead Efficiency Ratio 58.88%
Return on Assets 1.60%
Return on Equity 13.92%