Total Assets
$624M
Total balance-sheet footings
FDIC Cert #3103 · Big Spring, Texas · Est. 1909
The State National Bank of Big Spring - FDIC Bank Health Profile
A community-scale look at The State National Bank of Big Spring's own numbers, pulled straight from its quarterly FDIC Call Report.
- $624M
- Total assets
- A
- Health grade · Excellent
- 1.41%
- Return on assets
- 10.6%
- Tier 1 capital
Data updated July 2026
The verdict
The State National Bank of Big Spring earns a PlainBankData health grade of A (83/100), with well-capitalized at 10.57% Tier 1, profitable at 1.41% ROA, efficient (40% cost ratio).
- #1,526
- largest of 4,313 FDIC banks by assets
- 65th
- percentile by asset size, nationally
- 10.57%
- Tier 1 ratio - above the 10% well-capitalized line
- 70th
- 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.
How The State National Bank of Big Spring's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The State National Bank of Big Spring's composite health score
Tier 1 Capital Ratio (10.57%) 28/40
Return on Assets (ROA) (1.41%) 20/25
Texas Ratio (2.02%) 20/20
Efficiency Ratio (39.95%) 15/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$561M
Customer-funded liabilities
Net Loans
$96M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The State National Bank of Big Spring ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The State National Bank of Big Spring's score of 83/100 falls in the highlighted band.
The State National Bank of Big Spring'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 State National Bank of Big Spring's $624M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.57% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.57%
Texas Ratio
2.02%
Equity Capital
$62M
Profitability metrics
Return on Assets (ROA)
70th percentile nationally
1.41%
Return on Equity (ROE)
15.81%
Efficiency Ratio
39.95%
What the numbers say about The State National Bank of Big Spring
The State National Bank of Big Spring is an FDIC-insured institution (Certificate #3103) headquartered in Big Spring, Texas, established in 1909. It holds $624M in total assets - 1,526th of 4,313 FDIC-insured banks, $561M in customer deposits, and $96M in net loans. Looking at capital strength, Tier 1 stands at 10.57%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 2.02%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (83/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Texas, The State National Bank of Big Spring ranks 139th of 350 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$21M
Interest Income
$1M
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The State National Bank of Big Spring reports a Texas Ratio of 2.02% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.02% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The State National Bank of Big Spring (FDIC Cert #3103) - 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.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is The State National Bank of Big Spring's health grade?▼
The State National Bank of Big Spring receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The State National Bank of Big Spring?▼
The State National Bank of Big Spring holds $624M in total assets and $561M in deposits, ranking 1,526th of 4,313 FDIC-insured banks by asset size. It is headquartered in Big Spring, Texas.
Is my money safe at The State National Bank of Big Spring?▼
Yes, deposits at The State National Bank of Big Spring (Certificate #3103) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The State National Bank of Big Spring's Tier 1 Capital Ratio?▼
The State National Bank of Big Spring has a Tier 1 Capital Ratio of 10.57%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The State National Bank of Big Spring?▼
The State National Bank of Big Spring has a Texas Ratio of 2.02%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The State National Bank of Big Spring?▼
The State National Bank of Big Spring has an Efficiency Ratio of 39.95%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The State National Bank of Big Spring's profile as a depositor or analyst.
- The State National Bank of Big Spring's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The State National Bank of Big Spring against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.