FDIC Cert #3087 · Ballinger, Texas · Est. 1886

The First National Bank of Ballinger - FDIC Bank Health Profile

A community-scale look at The First National Bank of Ballinger's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$274M
Total assets
A
Health grade · Excellent
1.64%
Return on assets
17.5%
Tier 1 capital

Data updated July 2026

The verdict

The First National Bank of Ballinger earns a PlainBankData health grade of A (93/100), with well-capitalized at 17.50% Tier 1, profitable at 1.64% ROA, 62% efficiency ratio.

#2,621
largest of 4,313 FDIC banks by assets
39th
percentile by asset size, nationally
17.50%
Tier 1 ratio - above the 10% well-capitalized line
80th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 3087 · TX A · 93/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (93/100)
  • UPPER-Q #478/4307
  • PHOTO-FINISH State Bank Northwest · WA
  • TIER1-WELL 17.5% Tier 1
  • TEXAS-CLEAN 0.2% Texas
  • ROA-STRONG 1.64% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: State Bank Northwest, WA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The First National Bank of Ballinger

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First National Bank… · OK · …93/100First Southern Natio… · KY ·…93/100State Bank Northwest · WA · …93/100The Bippus State Bank · IN ·…93/100The First National B… · TX ·…93/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The First National Bank of Ballinger · July 2026

Call Report read for The First National Bank of Ballinger in a high-failure state

The First National Bank of Ballinger (FDIC Cert #3087) carries a PlainBankData health grade of A at 93/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #478 of 4,307. Tier 1 capital prints at 17.50%, clearing the 10% well-capitalized line. The Texas Ratio is 0.21%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.64%. Balance-sheet scale is $274M, 2,621st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is State Bank Northwest (WA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The First National Bank of Ballinger

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

The First National Bank of Ballinger sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about The First National Bank of Ballinger's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How The First National Bank of Ballinger's 93/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10093/100
The First National Bank of Ballinger's composite health score
Tier 1 Capital Ratio (17.50%) 40/40
Return on Assets (ROA) (1.64%) 25/25
Texas Ratio (0.21%) 20/20
Efficiency Ratio (62.14%) 8/15

93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$274M

Total balance-sheet footings

Total Deposits

$245M

Customer-funded liabilities

Net Loans

$147M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.1% 17.5% 18.9%
Basel III capital ratios - The First National Bank of Ballinger

Where The First National Bank of Ballinger ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank of Ballinger's score of 93/100 falls in the highlighted band.

The First National Bank of Ballinger: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

93 Top 11% higher than 89% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. The First National Bank of Ballinger 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The First National Bank of Ballinger's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The First National Bank of Ballinger's $274M falls in the highlighted band.

Capital & credit buffers at The First National Bank of Ballinger

Tier 1 capital ratio
Well-capitalized 10%

17.50% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
17.50%
Texas Ratio
0.21%
Equity Capital
$28M

What these ratios mean →

Earnings posture at The First National Bank of Ballinger

Return on Assets (ROA)
80th percentile nationally
1.64%
Return on Equity (ROE)
16.87%
Efficiency Ratio
62.14%

What these mean →

Income & expense at The First National Bank of Ballinger

$14M
Interest Income
$1M
Non-Interest Income
$7M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The First National Bank of Ballinger reports a Texas Ratio of 0.21% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.21% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The First National Bank of Ballinger on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($274M here), outside Texas so the neighborhood is not state containment.

State Savings Bank $274M · IA The Fort Jennings State Bank $274M · OH Goodfield State Bank $274M · IL Bank of Wolcott $275M · IN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank of Ballinger (FDIC Cert #3087) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

The First National Bank of Ballinger Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
Charles Schwab Bank, SSBWestlake $253.8B A 0.94%
Frost BankSan Antonio $53.1B A 1.26%
Prosperity BankEl Campo $38.5B A 1.44%
Texas Capital BankDallas $31.3B A 1.10%
Charles Schwab Premier Bank, SSBWestlake $27.0B A 1.47%
First Financial BankAbilene $15.4B A 1.64%
NexBankDallas $13.9B A 1.17%
PlainsCapital BankUniversity Park $12.7B B 1.05%