The First National Bank of Mertzon

BankMertzon, Texas
www.fnbmertzon.com

Total Assets

$487.1M

Total Deposits

$411.4M

Branches

3

Established

1910

TFS Health Grade

$
D+

68.0 / 100

Below average financial health

How we grade

The First National Bank of Mertzon is a bank headquartered in Mertzon, Texas, established in 1910. With $487.1M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D+ (68.0/100).

Capital & Safety

Tier 1 Capital Ratio
14.70%(8%)
Total Capital Ratio
91.63%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
1.87%(1%)
Return on Equity (ROE)
14.15%(10%)
Net Interest Margin
3.38%
Efficiency Ratio
30.19%(60%)

Lending & Liquidity

Total Loans
$74.7M
Loan-to-Deposit Ratio
17.75%
Net Charge-Off Ratio
0.02%

Growth

Asset Growth (YoY)
-8.72%
Deposit Growth (YoY)
-11.91%
Net Income
$10.0M

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.

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