The First National Bank of Sterling City
Sterling City, TX
IDRSSD: 411062
Total Assets
$245.32M
Latest filing
Total Deposits
$223.88M
Latest filing
Net Interest Margin
2.86%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
111307252STERLING CITY, TX
Key People
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Locations
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Main Office
The First National Bank of Sterling City
602 4th St
Sterling City, TX 76951
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/02/1910FDIC Certificate 3763
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First National Bank of Sterling City (Main) | 602 4th St | Sterling City, TX |
| BRONTE BRANCH | 102 West Main Street | Bronte, TX |
| GLASSCOCK COUNTY BRANCH | 333 N Main St | Garden City, 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 | 08/02/1910 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76951 |
| State and County Number | 48431 |
| 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 | San Angelo, TX |
Operational Info
| Number of Employees | 22 |
| 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.thefnbsc.com |
| Data Updated | 01/30/2026 |
| CERT | 5538 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $245.32M |
| Total Deposits | $223.88M |
| Total Liabilities | $223.99M |
| Total Equity Capital | $21.33M |
| Net Income | $895.00k |
| Net Loans and Leases | $40.58M |
| Assets Per Employee ($Millions) | $12.27M |
| Bank Premises and Fixed Assets | $1.12M |
| Cash and Balances due from Depository Institutions | $20.67M |
| Deposits Held in Domestic Offices | $223.88M |
Key Performance Ratios
| Return on Assets (ROA) | 1.47% |
| Return on Equity (ROE) | 17.35% |
| Net Interest Margin | 2.86% |
| Efficiency Ratio | 50.61% |
| Tier 1 Risk-Based Capital Ratio | 39.171% |
| 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 | 8.695% |
| Earning Assets to total Assets | 97.49% |
Income and Expense
| Total Interest Income | $2.09M |
| Total Noninterest Income | $111.00k |
| Total Interest Expense | $387.00k |
| Total Noninterest Expense | $917.00k |
| Net Interest Income | $1.70M |
| Pre-tax Net Operating Income | $895.00k |
| 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 | $110.00k |
| Total Liabilities and Capital | $245.32M |
Securities
| Securities | $179.91M |
| Available-for-sale debt securities | $179.91M |
| 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 Sterling City?
$245.32M as of the latest filing.
How much are The First National Bank of Sterling City's total deposits?
$223.88M in total deposits.
Where is The First National Bank of Sterling City located?
Sterling City, TX.
What is the Net Interest Margin?
2.86%.
How many domestic offices does it operate?
3.
When was it established?
08/02/1910.
What is the Return on Assets (ROA)?
1.47%.
How much are total loans and leases?
$40.58M (latest filing).
What is the total interest income (latest filing)?
$2.09M.