First National Bank of Bosque County
Valley Mills, TX
IDRSSD: 198961
Total Assets
$188.29M
Latest filing
Total Deposits
$165.91M
Latest filing
Net Interest Margin
4.65%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank of Bosque County
418 E Avenue C
Valley Mills, TX 76689
Full Service - Brick and Mortar
Updated 11/14/2025Established 08/01/1908FDIC Certificate 3785
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First National Bank of Bosque County (Main) | 418 E Avenue C | Valley Mills, TX |
| CLIFTON BRANCH | Highway 6 And Riverside Drive | Clifton, TX |
| RANCH HOUSE BRANCH | 8213 North Highway 6 | Waco, TX |
| MERIDIAN BRANCH | 115 S Main | Meridian, TX |
Showing 3 of 3
Quarterly Trends
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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 | 08/01/1908 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76689 |
| State and County Number | 48035 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| 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 | 32 |
| Domestic Offices | 4 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/14/2025 |
| CERT | 5564 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $188.29M |
| Total Deposits | $165.91M |
| Total Liabilities | $166.49M |
| Total Equity Capital | $21.80M |
| Net Income | $979.00k |
| Net Loans and Leases | $133.38M |
| Assets Per Employee ($Millions) | $5.88M |
| Bank Premises and Fixed Assets | $735.00k |
| Cash and Balances due from Depository Institutions | $26.50M |
| Deposits Held in Domestic Offices | $165.91M |
Key Performance Ratios
| Return on Assets (ROA) | 2.16% |
| Return on Equity (ROE) | 18.29% |
| Net Interest Margin | 4.65% |
| Efficiency Ratio | 55.68% |
| Tier 1 Risk-Based Capital Ratio | 16.917% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.577% |
| Earning Assets to total Assets | 93.73% |
Income and Expense
| Total Interest Income | $2.31M |
| Total Noninterest Income | $246.00k |
| Total Interest Expense | $348.00k |
| Total Noninterest Expense | $1.23M |
| Net Interest Income | $1.96M |
| Pre-tax Net Operating Income | $979.00k |
| Provision for Credit Losses | $0 |
| 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 | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $583.00k |
| Total Liabilities and Capital | $188.29M |
Securities
| Securities | $21.23M |
| Available-for-sale debt securities | $21.23M |
| 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 of Bosque County?
$188.29M as of the latest filing.
How much are First National Bank of Bosque County's total deposits?
$165.91M in total deposits.
Where is First National Bank of Bosque County located?
Valley Mills, TX.
What is the Net Interest Margin?
4.65%.
How many domestic offices does it operate?
4.
When was it established?
08/01/1908.
What is the Return on Assets (ROA)?
2.16%.
How much are total loans and leases?
$133.38M (latest filing).
What is the total interest income (latest filing)?
$2.31M.