The First National Bank of Mertzon
Mertzon, TX
IDRSSD: 500256
Total Assets
$487.06M
Latest filing
Total Deposits
$411.44M
Latest filing
Net Interest Margin
3.42%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank of Mertzon
106 S Broadway St Ave
Mertzon, TX 76941
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1910FDIC Certificate 2161
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First National Bank of Mertzon (Main) | 106 S Broadway St Ave | Mertzon, TX |
| TOM GREEN BRANCH | 230 W Twohig Ave | San Angelo, TX |
| FIRST NATIONAL BANK OF MERTZON | 3399 Knickerbocker Rd | San Angelo, TX |
Showing 2 of 2
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 | 01/01/1910 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76941 |
| State and County Number | 48235 |
| Subchapter S Corporations | No |
| 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 | San Angelo, TX |
Operational Info
| Number of Employees | 30 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/31/2017 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnbmertzon.com |
| Data Updated | 01/30/2026 |
| CERT | 3339 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $487.06M |
| Total Deposits | $411.44M |
| Total Liabilities | $412.44M |
| Total Equity Capital | $74.62M |
| Net Income | $2.08M |
| Net Loans and Leases | $73.04M |
| Assets Per Employee ($Millions) | $16.24M |
| Bank Premises and Fixed Assets | $1.29M |
| Cash and Balances due from Depository Institutions | $169.76M |
| Deposits Held in Domestic Offices | $411.44M |
Key Performance Ratios
| Return on Assets (ROA) | 1.61% |
| Return on Equity (ROE) | 11.24% |
| Net Interest Margin | 3.42% |
| Efficiency Ratio | 42.2% |
| Tier 1 Risk-Based Capital Ratio | 90.365% |
| 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 | 15.321% |
| Earning Assets to total Assets | 98.27% |
Income and Expense
| Total Interest Income | $4.97M |
| Total Noninterest Income | $101.00k |
| Total Interest Expense | $622.00k |
| Total Noninterest Expense | $1.88M |
| Net Interest Income | $4.35M |
| Pre-tax Net Operating Income | $2.57M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| 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 | $994.00k |
| Total Liabilities and Capital | $487.06M |
Securities
| Securities | $240.57M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $240.57M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First National Bank of Mertzon?
$487.06M as of the latest filing.
How much are The First National Bank of Mertzon's total deposits?
$411.44M in total deposits.
Where is The First National Bank of Mertzon located?
Mertzon, TX.
What is the Net Interest Margin?
3.42%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1910.
What is the Return on Assets (ROA)?
1.61%.
How much are total loans and leases?
$73.04M (latest filing).
What is the total interest income (latest filing)?
$4.97M.