The First National Bank of Sterling City

BankSterling City, Texas
www.thefnbsc.com

Total Assets

$245.3M

Total Deposits

$223.9M

Branches

3

Established

1910

TFS Health Grade

$
C

73.5 / 100

Average financial health

How we grade

The First National Bank of Sterling City is a bank headquartered in Sterling City, Texas, established in 1910. With $245.3M in total assets and 3 branch locations, it has a TFS Financial Health Grade of C (73.5/100).

Capital & Safety

Tier 1 Capital Ratio
11.56%(8%)
Total Capital Ratio
39.82%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
1.47%(1%)
Return on Equity (ROE)
20.73%(10%)
Net Interest Margin
2.84%
Efficiency Ratio
49.48%(60%)

Lending & Liquidity

Total Loans
$41.1M
Loan-to-Deposit Ratio
18.13%
Net Charge-Off Ratio
0.03%

Growth

Asset Growth (YoY)
+8.54%
Deposit Growth (YoY)
+4.20%
Net Income
$3.4M

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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