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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 3103 · TX A · 83/100

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

  • GRADE-A A (83/100)
  • MID-PACK #1613/4307
  • PHOTO-FINISH The Farmers National… · KY
  • TIER1-WELL 10.6% Tier 1
  • TEXAS-CLEAN 2.0% Texas
  • ROA-STRONG 1.41% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: The Farmers National Bank of Danville, KY (±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 State National Bank of Big Spring

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

Morgan Stanley Bank,… · UT ·…100/100First & Farmers Nati… · KY ·…83/100Old Second National… · IL · …83/100The Farmers National… · KY ·…83/100The State National B… · TX ·…83/100Wells Fargo Bank, Na… · SD ·…83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The State National Bank of Big Spring · July 2026

Call Report read for The State National Bank of Big Spring in a high-failure state

The State National Bank of Big Spring (FDIC Cert #3103) carries a PlainBankData health grade of A at 83/100, 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 #1,613 of 4,307. Tier 1 capital prints at 10.57%, clearing the 10% well-capitalized line. The Texas Ratio is 2.02%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.41%. Balance-sheet scale is $624M, 1,526th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Farmers National Bank of Danville (KY), 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 State National Bank of Big Spring

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

The State National Bank of Big Spring 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 State National Bank of Big Spring'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 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.

0/100100/100National avg77/10083/100
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 Assets

$624M

Total balance-sheet footings

Total Deposits

$561M

Customer-funded liabilities

Net Loans

$96M

Outstanding loan book

Net Income

$8M

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.) 9.17% 10.57% 11.97%
Basel III capital ratios - The State National Bank of Big Spring

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

83 Top 37% higher than 63% 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%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. The State National Bank of Big Spring 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 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.

Capital & credit buffers at The State National Bank of Big Spring

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

What these ratios mean →

Earnings posture at The State National Bank of Big Spring

Return on Assets (ROA)
70th percentile nationally
1.41%
Return on Equity (ROE)
15.81%
Efficiency Ratio
39.95%

What these mean →

Income & expense at The State National Bank of Big Spring

$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.

FDIC Failed Bank List → View The State National Bank of Big Spring 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 ($624M here), outside Texas so the neighborhood is not state containment.

Greenville National Bank $623M · OH Southeastern Bank $623M · GA Palmetto State Bank $623M · SC Stillman BancCorp $625M · IL

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.

The State National Bank of Big Spring 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%