The First National Bank of Hughes Springs
Hughes Springs, TX
IDRSSD: 849357
Total Assets
$315.46M
Latest filing
Total Deposits
$276.21M
Latest filing
Net Interest Margin
6.75%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank of Hughes Springs
505 E 1st
Hughes Springs, TX 75656
Full Service - Brick and Mortar
Updated 11/14/2025Established 06/03/1903FDIC Certificate 2110
Branches (16)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| The First National Bank of Hughes Springs (Main) | 505 E 1st | Hughes Springs, TX |
| LOTT BRANCH | 101 W Gassaway | Lott, TX |
| JEFFERSON BRANCH | 202 N Polk St | Jefferson, TX |
| TENAHA BRANCH | 210 Main Street | Tenaha, TX |
| LIBERTY CITY BRANCH | 5228 Fm 1252 W | Kilgore, TX |
| REDWATER BRANCH | 113 Redwater Boulevard West | Redwater, TX |
| ATLANTA BRANCH | 220 N Louise St | Atlanta, TX |
| DAINGERFIELD BRANCH | 706 Linda Dr | Daingerfield, TX |
Showing 7 of 16
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 | 06/03/1903 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 75656 |
| State and County Number | 48067 |
| 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 | 108 |
| Domestic Offices | 16 |
| 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 | WWW.FNBHS.COM |
| Data Updated | 11/14/2025 |
| CERT | 3268 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $315.46M |
| Total Deposits | $276.21M |
| Total Liabilities | $277.18M |
| Total Equity Capital | $38.28M |
| Net Income | $1.48M |
| Net Loans and Leases | $219.15M |
| Assets Per Employee ($Millions) | $2.87M |
| Bank Premises and Fixed Assets | $7.37M |
| Cash and Balances due from Depository Institutions | $46.98M |
| Deposits Held in Domestic Offices | $276.21M |
Key Performance Ratios
| Return on Assets (ROA) | 1.86% |
| Return on Equity (ROE) | 15.94% |
| Net Interest Margin | 6.75% |
| Efficiency Ratio | 52.22% |
| Tier 1 Risk-Based Capital Ratio | 17.431% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.42% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.136% |
| Earning Assets to total Assets | 90.12% |
Income and Expense
| Total Interest Income | $5.00M |
| Total Noninterest Income | $642.00k |
| Total Interest Expense | $154.00k |
| Total Noninterest Expense | $2.88M |
| Net Interest Income | $4.85M |
| Pre-tax Net Operating Income | $1.48M |
| Provision for Credit Losses | $1.13M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.44M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $973.00k |
| Total Liabilities and Capital | $315.46M |
Securities
| Securities | $28.96M |
| Available-for-sale debt securities | $28.96M |
| 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 The First National Bank of Hughes Springs?
$315.46M as of the latest filing.
How much are The First National Bank of Hughes Springs's total deposits?
$276.21M in total deposits.
Where is The First National Bank of Hughes Springs located?
Hughes Springs, TX.
What is the Net Interest Margin?
6.75%.
How many domestic offices does it operate?
16.
When was it established?
06/03/1903.
What is the Return on Assets (ROA)?
1.86%.
How much are total loans and leases?
$219.15M (latest filing).
What is the total interest income (latest filing)?
$5.00M.