Vitals
  • Total Assets
    202.0M -0.7 %
  • Total Deposits
    168.0M -0.7 %
  • Total Net Loans
    129.7M 4.9 %
  • Net Income
    3.3M 17.2 %
  • Book Value
    24.0M 5.3 %
  • Book Value x2
    48.1M 5.3 %
  • Book Value x3
    72.1M 5.3 %
ROAA

1.631

ROAE

13.475

Efficiency Ratio

55.057

Net Interest Margin

4.327

Balance Sheet Highlights
Financial Highlights First National Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 202,022 358,087
Total Net Loans 129,698 213,533
Total Deposits 168,008 308,027
Total Equity 24,034 38,740
Profitability
Net Income 3,261 3,845
Return on Average Assets 1.631 1.025
Return on Average Equity 13.475 9.415
Net Interest Margin 4.327 3.773
Efficiency Ratio 55.057 66.762
Noninterest Income/Revenue 9.163 16.375
Balance Sheet Ratios
Loan-to-Deposit 77.198 65.494
Securities/Assets .26 .214
Total Equity/Total Assets .119 .108
Tangible Equity/Tangible Assets .119 .104
Capital Adequacy
Tier 1 Common Capital 23,587 37,278
Tier 1 Capital 23,587 37,303
Tier 2 Capital 1,756 2,526
Total Capital 25,343 39,866
Total Risk Weighted Assets 140,240 237,367
Leverage Ratio 11.74 10.563
Common Equity Tier 1 Capital Ratio 16.82 18.073
Tier 1 Capital Ratio 16.82 18.097
Total Capital Ratio 18.07 19.169

Timeline for First National Bank

Spearman Financial Corporation

Spearman Financial Corporation became a new parent organization for First National Bank.

View Profile Jul 24 1991

Spearman Bancshares, Inc.

Spearman Bancshares, Inc. became a new parent organization for First National Bank.

View Profile Jan 31 1990

First National Bank

First National Bank was established 39 years ago and is currently headquartered in Spearman, TX.

Apr 24 1985
Relationships Role Relationship Start Relationship End
Spearman Financial Corporation Parent 7/1/2002
Spearman Financial Corporation Parent 7/24/1991 6/30/2002
Spearman Bancshares, Inc. Parent 1/31/1990 7/23/1991
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