PackageTrendsPeer
Letter portraitLegal landscape

First National Bank of Bellville, The

Bellville, TX · Cert 3099 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=24)

FDIC · 3 branches

Q2 2025

$669.3MAssets
$230.8MLoans
$697.0MDeposits
$-35179KEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 46% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 14 of 24).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 24 of 24).
  • Overall: at or above the peer median on 0 of 8 directional measures.

Return on Assets

0.47%

Rank 19 of 24

Net Interest Margin

1.37%

Rank 24 of 24

Efficiency Ratio

78.63%

Rank 18 of 24

Equity / Assets

-5.26%

Rank 24 of 24

Non-interest income vs. expense

$7.0M$14.3MINCOMEEXPENSE
Unfavorable gap of $7.3M · efficiency ratio beats 29% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area
Bank 78.63%Peer median 67.8%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.47%0.59%1.00%1.43%Beats 21%19 / 24
Return on Equityn/aNot reported for this institution
Net Interest Margin1.37%2.91%3.63%4.51%Beats 0%24 / 24
Efficiency Ratio78.63%58.88%67.83%80.72%Beats 29%18 / 24
Asset Quality
Nonperforming Loans / Loans0.09%0.00%0.09%1.33%Beats 46%14 / 24
Net Charge-Offs / Loans0.04%0.00%0.01%0.08%Beats 29%18 / 24
Capital
Tier 1 Capital Ratio12.14%13.46%16.18%19.15%Beats 13%21 / 24
Total Risk-Based Capital Ratio12.14%13.54%16.18%20.41%Beats 13%21 / 24
Equity / Assets-5.26%9.01%11.59%13.53%Beats 0%24 / 24
Liquidity & Funding
Loans / Deposits33.11%56.20%79.01%94.18%8th pctl22 / 24
Loans / Assets34.48%49.29%69.55%77.80%17th pctl20 / 24
Brokered Deposits / Depositsn/aNot reported for this institution