The First National Bank of Bastrop

The First National Bank of Bastrop is headquartered in Bastrop and is the 120^th largest bank in the state of Texas. It is also the 1,615^st largest bank in the nation. It was established in 1889 and as of March of 2012, it had grown to 110 employees at 6 locations. The First National Bank of Bastrop has a 5-star health rating.

The First National Bank of Bastrop Routing Number: 314973111

The First National Bank of Bastrop Checking Account Rates

The First National Bank of Bastrop Savings Account Rates

The First National Bank of Bastrop Money Market Rates

The First National Bank of Bastrop CD Rates

The First National Bank of Bastrop IRA Rates

Data for Q1 2012

Institution Statistics The First National Bank of Bastrop FDIC Certificate # 3091 BankRate Report View Year Established 1889 Employees 110 Primary Regulator OCC Assets and Liabilities Assets $412.28 million Loans $192.92 million Deposits $367.58 million Equity Capital $43.21 million Loan Loss Allowance $2.97 million Unbacked Noncurrent Loans $4.39 million Real Estate Owned $355,000 Historic Data - March 2011 Assets $338.27 million Equity Capital $39.68 million Loan Loss Allowance $2.72 million Unbacked Noncurrent Loans $6.81 million Real Estate Owned $555,000 Profit Margin - Quarterly Net Interest Margin 3.67% Return on Assets 1.64% Return on Equity 15.87% Interest Income $3.87 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The First National Bank of Bastrop had $4.74 million in non-current loans and owned real-estate with $46.18 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank of Bastrop a Texas Ratio of 10.27% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The First National Bank of Bastrop decreased significantly from 21.69% as of March 31, 2011 to 10.27% as of March 31, 2012, resulting in a positive change of 52.64%.This indicates that the balance sheet and financial strength for The First National Bank of Bastrop has improved significantly in recent periods. Deposit Growth In the past year, The First National Bank of Bastrop has increased its total deposits by $70.54 million, resulting in 23.75% 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 The First National Bank of Bastrop has shown is excellent. Capitalization 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. The First National Bank of Bastrop has $412.28 million in assets with $46.18 million in equity, resulting in a capitalization level of 11.20%, which is above average.

No reviews have been left for this bank yet. Be the first to review.