Vitals
  • Total Assets
    647.7M 2.0 %
  • Total Deposits
    585.8M 2.4 %
  • Total Net Loans
    88.3M 15.6 %
  • Net Income
    7.6M 20.7 %
  • Book Value
    58.0M -1.8 %
  • Book Value x2
    116.1M -1.8 %
  • Book Value x3
    174.1M -1.8 %
ROAA

1.192

ROAE

11.528

Efficiency Ratio

36.806

Net Interest Margin

3.24

Balance Sheet Highlights
Financial Highlights The First National Bank Of Shiner All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 647,664 358,087
Total Net Loans 88,320 213,533
Total Deposits 585,820 308,027
Total Equity 58,035 38,740
Profitability
Net Income 7,563 3,845
Return on Average Assets 1.192 1.025
Return on Average Equity 11.528 9.415
Net Interest Margin 3.24 3.773
Efficiency Ratio 36.806 66.762
Noninterest Income/Revenue 3.32 16.375
Balance Sheet Ratios
Loan-to-Deposit 15.076 65.494
Securities/Assets .81 .214
Total Equity/Total Assets .09 .108
Tangible Equity/Tangible Assets .087 .104
Capital Adequacy
Tier 1 Common Capital 56,401 37,278
Tier 1 Capital 56,401 37,303
Tier 2 Capital 1,319 2,526
Total Capital 57,720 39,866
Total Risk Weighted Assets 236,013 237,367
Leverage Ratio 8.8 10.563
Common Equity Tier 1 Capital Ratio 23.9 18.073
Tier 1 Capital Ratio 23.9 18.097
Total Capital Ratio 24.46 19.169

Timeline for The First National Bank Of Shiner

Community Capital Mortgage Llc

Community Capital Mortgage Llc became a new subsidiary organization for The First National Bank Of Shiner.

View Profile Jun 05 2012

Industry Bancshares, Inc.

Industry Bancshares, Inc. became a new parent organization for The First National Bank Of Shiner.

View Profile Oct 08 2010

The First National Bank Of Shiner

The First National Bank Of Shiner was established 123 years ago and is currently headquartered in Shiner, TX.

Nov 19 1900
Relationships Role Relationship Start Relationship End
Industry Bancshares, Inc. Parent 10/8/2010
Community Capital Mortgage Llc Subsidary 6/5/2012
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