D
The First National Bank of Tom Bean
Rating Date
August 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 5.30
Capitalization Index 10.00
Liquidity Index 0.20
Profitability Index 6.00
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 8.29%
5-Year Asset Growth 0.91%
5-Year Charge-Offs to Average Loans 0.26%
Charge-Offs to Average Loans 0.38%
Non-Performing Assets to Assets 0.65%
Non-Performing Loans to Capital 7.57%
Non-Performing Loans to Loans 0.79%
Balance Sheet The First National Bank of Tom Bean
Tom Bean, TX
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Total Assets 155.56M
Total Deposits 135.70M
Capital and Reserves The First National Bank of Tom Bean
Tom Bean, TX
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Capital 18.69M
Leverage Ratio 12.15
Loan Loss Reserves to Loans 1.71%
Risk-Based Capital Ratio --
Liquidity The First National Bank of Tom Bean
Tom Bean, TX
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Hot Money Ratio 38.88%
Liquidity Ratio 16.59%
Profitability The First National Bank of Tom Bean
Tom Bean, TX
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5-Year Return on Average Assets 0.83%
Net Income 795.00K
Net Interest Spread 5.51%
Operating Profit to Average Assets 1.42%
Overhead Efficiency Ratio 65.07%
Return on Assets 1.05%
Return on Equity 8.65%