Johnson City Bank
Johnson City, TX
IDRSSD: 977652
Total Assets
$136.77M
Latest filing
Total Deposits
$118.89M
Latest filing
Net Interest Margin
4.11%
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, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/01/1944 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 78636 |
| State and County Number | 48031 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| 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 | 23 |
| Domestic Offices | 1 |
| 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 | 08/01/1944 |
| Primary Insurance Agency | DIF |
| Website | www.j-cbank.com |
| Data Updated | 11/14/2025 |
| CERT | 16176 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $136.77M |
| Total Deposits | $118.89M |
| Total Liabilities | $119.23M |
| Total Equity Capital | $17.54M |
| Net Income | $427.00k |
| Net Loans and Leases | $82.84M |
| Assets Per Employee ($Millions) | $5.95M |
| Bank Premises and Fixed Assets | $1.99M |
| Cash and Balances due from Depository Institutions | $31.30M |
| Deposits Held in Domestic Offices | $118.89M |
Key Performance Ratios
| Return on Assets (ROA) | 1.26% |
| Return on Equity (ROE) | 9.83% |
| Net Interest Margin | 4.11% |
| Efficiency Ratio | 63.98% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.23% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.825% |
| Earning Assets to total Assets | 96.93% |
Income and Expense
| Total Interest Income | $1.79M |
| Total Noninterest Income | $55.00k |
| Total Interest Expense | $444.00k |
| Total Noninterest Expense | $897.00k |
| Net Interest Income | $1.35M |
| Pre-tax Net Operating Income | $427.00k |
| Provision for Credit Losses | $78.00k |
| 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 | $1.00M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $338.00k |
| Total Liabilities and Capital | $136.77M |
Securities
| Securities | $18.94M |
| Available-for-sale debt securities | $12.77M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $6.17M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Johnson City Bank?
$136.77M as of the latest filing.
How much are Johnson City Bank's total deposits?
$118.89M in total deposits.
Where is Johnson City Bank located?
Johnson City, TX.
What is the Net Interest Margin?
4.11%.
How many domestic offices does it operate?
1.
When was it established?
08/01/1944.
What is the Return on Assets (ROA)?
1.26%.
How much are total loans and leases?
$82.84M (latest filing).
What is the total interest income (latest filing)?
$1.79M.