First National Bank
Rotan, TX
IDRSSD: 2490285
Total Assets
$93.19M
Latest filing
Total Deposits
$87.83M
Latest filing
Net Interest Margin
3.16%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank
118 N Garfield Ave
Rotan, TX 79546
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/01/1997FDIC Certificate 57219
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| First National Bank (Main) | 118 N Garfield Ave | Rotan, TX | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 04/01/1997 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 79546 |
| State and County Number | 48151 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 14 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 04/01/1997 |
| Primary Insurance Agency | DIF |
| Website | www.fnbrotan.com |
| Data Updated | 11/14/2025 |
| CERT | 34455 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $93.19M |
| Total Deposits | $87.83M |
| Total Liabilities | $88.19M |
| Total Equity Capital | $5.00M |
| Net Income | $157.00k |
| Net Loans and Leases | $35.97M |
| Assets Per Employee ($Millions) | $6.66M |
| Bank Premises and Fixed Assets | $225.00k |
| Cash and Balances due from Depository Institutions | $2.19M |
| Deposits Held in Domestic Offices | $87.83M |
Key Performance Ratios
| Return on Assets (ROA) | 0.7% |
| Return on Equity (ROE) | 14.57% |
| Net Interest Margin | 3.16% |
| Efficiency Ratio | 73.8% |
| Tier 1 Risk-Based Capital Ratio | 21.832% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 5.36% |
| Earning Assets to total Assets | 95.58% |
Income and Expense
| Total Interest Income | $1.06M |
| Total Noninterest Income | $161.00k |
| Total Interest Expense | $389.00k |
| Total Noninterest Expense | $614.00k |
| Net Interest Income | $671.00k |
| Pre-tax Net Operating Income | $238.00k |
| Provision for Credit Losses | $-20,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $9.79M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $357.00k |
| Total Liabilities and Capital | $93.19M |
Securities
| Securities | $43.01M |
| Available-for-sale debt securities | $43.01M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank?
$93.19M as of the latest filing.
How much are First National Bank's total deposits?
$87.83M in total deposits.
Where is First National Bank located?
Rotan, TX.
What is the Net Interest Margin?
3.16%.
How many domestic offices does it operate?
1.
When was it established?
04/01/1997.
What is the Return on Assets (ROA)?
0.7%.
How much are total loans and leases?
$35.97M (latest filing).
What is the total interest income (latest filing)?
$1.06M.