What is The First National Bank of Hughes Springs's financial health grade?

The First National Bank of Hughes Springs has a TFS Financial Health Grade of C+ (score: 78.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The First National Bank of Hughes Springs have?

The First National Bank of Hughes Springs has 17 branch locations across the United States.

Is The First National Bank of Hughes Springs FDIC insured?

Yes, The First National Bank of Hughes Springs is FDIC insured (Certificate #3268).

What are the total assets of The First National Bank of Hughes Springs?

The First National Bank of Hughes Springs has total assets of $316.5M as reported in its most recent FDIC filing.

The First National Bank of Hughes Springs

BankHughes Springs, Texas

WWW.FNBHS.COM

Total Assets

$316.5M

Total Deposits

$284.2M

Branches

Established

1903

TFS Health Grade

C+

78.8 / 100

Average financial health

How we grade

The First National Bank of Hughes Springs is a bank headquartered in Hughes Springs, Texas, established in 1903. With $316.5M in total assets and 17 branch locations, it has a TFS Financial Health Grade of C+ (78.8/100).

Capital & Safety

Tier 1 Capital Ratio

10.12%(8%)

Total Capital Ratio

16.39%(10%)

Non-Performing Loan Ratio

1.29%

Profitability

Return on Assets (ROA)

2.56%(1%)

Return on Equity (ROE)

23.57%(10%)

Net Interest Margin

6.78%

Efficiency Ratio

54.58%(60%)

Lending & Liquidity

Total Loans

$219.2M

Loan-to-Deposit Ratio

76.15%

Net Charge-Off Ratio

0.74%

Growth

Asset Growth (YoY)

+4.30%

Deposit Growth (YoY)

+4.59%

Net Income

$8.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
The First National Bank of Hughes SpringsHQ	505 E 1st	Hughes Springs	TX	11
The First National Bank of Hughes Springs	220 N Louise St	Atlanta	TX	11
The First National Bank of Hughes Springs	109 E Main St	Bloomburg	TX	11
The First National Bank of Hughes Springs	706 Linda Dr	Daingerfield	TX	11
The First National Bank of Hughes Springs	2131 Us Highway 259 N	Diana	TX	11
The First National Bank of Hughes Springs	17045 State Highway 154	Harleton	TX	11
The First National Bank of Hughes Springs	202 N Polk St	Jefferson	TX	11
The First National Bank of Hughes Springs	5228 Fm 1252 W	Kilgore	TX	11
The First National Bank of Hughes Springs	101 W Gassaway	Lott	TX	11
The First National Bank of Hughes Springs	119 Craik St	Marlin	TX	11
The First National Bank of Hughes Springs	100 N Columbus St	Marshall	TX	11
The First National Bank of Hughes Springs	406 Broadway St	Maud	TX	11
The First National Bank of Hughes Springs	200 Big League Bnd	Omaha	TX	11
The First National Bank of Hughes Springs	113 Redwater Boulevard West	Redwater	TX	11
The First National Bank of Hughes Springs	210 Main Street	Tenaha	TX	11
The First National Bank of Hughes Springs	303 West Calvert Street	Troup	TX	11
The First National Bank of Hughes Springs	315 N Main St	Winona	TX	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.