FDIC Cert #5531 · Sonora, Texas · Est. 1900

The First National Bank of Sonora - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$684M
Total assets
C
Health grade · Fair
0.87%
Return on assets
10.5%
Tier 1 capital

Data updated July 2026

The verdict

The First National Bank of Sonora earns a PlainBankData health grade of C (58/100), with well-capitalized at 10.53% Tier 1, 0.87% ROA, 81% efficiency ratio.

#1,402
largest of 4,313 FDIC banks by assets
68th
percentile by asset size, nationally
10.53%
Tier 1 ratio - above the 10% well-capitalized line
34th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 5531 · TX C · 58/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (58/100)
  • BOTTOM-DECILE #3890/4307
  • PHOTO-FINISH Global Innovations B… · MN
  • TIER1-WELL 10.5% Tier 1
  • TEXAS-CLEAN 12.7% Texas
  • ROA-PAR 0.87% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: Global Innovations Bank, MN (±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 Sonora

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… · KS · …58/100Global Innovations B… · MN ·…58/100Home National Bank · OH · ne…58/100The Dart Bank · MI · near58/100The First National B… · TX ·…58/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The First National Bank of Sonora · July 2026

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

The First National Bank of Sonora (FDIC Cert #5531) carries a PlainBankData health grade of C at 58/100, 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 #3,890 of 4,307. Tier 1 capital prints at 10.53%, clearing the 10% well-capitalized line. The Texas Ratio is 12.72%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.87%. Balance-sheet scale is $684M, 1,402nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Global Innovations Bank (MN), 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 Sonora

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

The First National Bank of Sonora 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 Sonora'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 Sonora's 58/100 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 avg77/10058/100
The First National Bank of Sonora's composite health score
Tier 1 Capital Ratio (10.53%) 28/40
Return on Assets (ROA) (0.87%) 14/25
Texas Ratio (12.72%) 16/20
Efficiency Ratio (80.80%) 0/15

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

Balance sheet at a glance

Total Assets

$684M

Total balance-sheet footings

Total Deposits

$622M

Customer-funded liabilities

Net Loans

$460M

Outstanding loan book

Net Income

$6M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.13% 10.53% 11.93%
Basel III capital ratios - The First National Bank of Sonora

Where The First National Bank of Sonora ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank of Sonora's score of 58/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

58 10th percentile higher than 10% 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%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The First National Bank of Sonora 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 Sonora'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 Sonora's $684M falls in the highlighted band.

Capital & credit buffers at The First National Bank of Sonora

Tier 1 capital ratio
Well-capitalized 10%

10.53% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.53%
Texas Ratio
12.72%
Equity Capital
$53M

What these ratios mean →

Profitability metrics: The First National Bank of Sonora

Return on Assets (ROA)
34th percentile nationally
0.87%
Return on Equity (ROE)
11.63%
Efficiency Ratio
80.80%

What these mean →

Income & expense at The First National Bank of Sonora

$39M
Interest Income
$4M
Non-Interest Income
$25M
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 Sonora reports a Texas Ratio of 12.72% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

12.72% - 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 Sonora 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 ($684M here), outside Texas so the neighborhood is not state containment.

Farmers and Merchants Union Bank $683M · WI American Nation Bank $684M · OK Commencement Bank $683M · WA Yampa Valley Bank $684M · CO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank of Sonora (FDIC Cert #5531) - 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 Sonora 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%