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Overview / Commentary
899 Northeast Alsbury And I-35
Burleson, TX 76028

First National Bank of Burleson is headquartered in Burleson and is the 268th largest bank in the state of Texas. It is also the 3,313st largest bank in the nation. It was established in 1981 and as of June of 2014, it had grown to 34 employees at 2 locations. First National Bank of Burleson has a A health rating.

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Health

Data for Q2 2014

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 First National Bank of Burleson had $400,000 in non-current loans and owned real-estate with $16.94 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Burleson a Texas Ratio of 2.36% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for First National Bank of Burleson decreased dramatically from 6.09% as of June 30, 2013 to 2.36% as of June 30, 2014, resulting in a positive change of 61.25%.This indicates that the balance sheet and financial strength for First National Bank of Burleson has improved dramatically in recent periods.

Deposit Growth

GRADE:
B

In the past year, First National Bank of Burleson has increased its total deposits by $423,000, resulting in 0.27% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First National Bank of Burleson has shown is above average.

Capitalization

GRADE:
B

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First National Bank of Burleson has $175.51 million in assets with $16.94 million in equity, resulting in a capitalization level of 9.65%, which is above average.

Institution Statistics

Overall
FDIC Certificate #23430
Year Established1981
Employees34
Primary RegulatorOCC
Assets and Liabilities
Assets$175.51 million
Loans$69.90 million
Deposits$158.52 million
Equity Capital$16.38 million
Loan Loss Allowance$561,000
Real Estate Owned$400,000
Historic Data - June 2013
Assets$175.52 million
Equity Capital$16.00 million
Loan Loss Allowance$485,000
Unbacked Noncurrent Loans$0
Real Estate Owned$864,000
Profit Margin - Quarterly
Return on Assets2.23%
Return on Equity24.4%
Interest Income$2.69 million
Rates

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Locations


First National Bank of Burleson Locations
Burleson Branch740 S. W. WilshireBurleson, TX 76028
First National Bank Of Burleson899 Northeast Alsbury and I-35Burleson, TX 76028