The First National Bank of Shiner
Shiner, TX
IDRSSD: 342362
Total Assets
$753.15M
Latest filing
Total Deposits
$805.24M
Latest filing
Net Interest Margin
1.47%
Profitability
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 | 11/19/1900 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 77984 |
| State and County Number | 48285 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 51 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/01/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 5529 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $753.15M |
| Total Deposits | $805.24M |
| Total Liabilities | $812.56M |
| Total Equity Capital | $-59,406,000 |
| Net Income | $697.00k |
| Net Loans and Leases | $169.74M |
| Assets Per Employee ($Millions) | $14.77M |
| Bank Premises and Fixed Assets | $7.12M |
| Cash and Balances due from Depository Institutions | $82.82M |
| Deposits Held in Domestic Offices | $805.24M |
Key Performance Ratios
| Return on Assets (ROA) | 0.37% |
| Return on Equity (ROE) | -5.04% |
| Net Interest Margin | 1.47% |
| Efficiency Ratio | 73.74% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| 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 | -7.888% |
| Earning Assets to total Assets | 94.88% |
Income and Expense
| Total Interest Income | $7.84M |
| Total Noninterest Income | $840.00k |
| Total Interest Expense | $5.18M |
| Total Noninterest Expense | $2.58M |
| Net Interest Income | $2.66M |
| Pre-tax Net Operating Income | $918.00k |
| 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 | $7.31M |
| Total Liabilities and Capital | $753.15M |
Securities
| Securities | $469.47M |
| Available-for-sale debt securities | $469.47M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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 Shiner?
$753.15M as of the latest filing.
How much are The First National Bank of Shiner's total deposits?
$805.24M in total deposits.
Where is The First National Bank of Shiner located?
Shiner, TX.
What is the Net Interest Margin?
1.47%.
How many domestic offices does it operate?
5.
When was it established?
11/19/1900.
What is the Return on Assets (ROA)?
0.37%.
How much are total loans and leases?
$169.74M (latest filing).
What is the total interest income (latest filing)?
$7.84M.