The First National Bank of Kemp


Overview / Commentary
903-498-8541
100 South State Highway 274
Kemp, TX 75143

The First National Bank of Kemp is headquartered in Kemp and is the 340th largest bank in the state of Texas. It is also the 4,068th largest bank in the nation. It was established in 1901 and as of December of 2019, it had grown to 28 employees at 2 locations. The First National Bank of Kemp has an A health rating.

Reviews (1)

No Loyalty To Area

Posted by: |

Bank does not support or buy from local businesses.  Bank serves areas with very small towns.  Does not seem to have any policy to support local businesses first.  This has caused some of the businesses to stop supporting the local bank.  You reap what you sew.



Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The First National Bank of Kemp has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #3281
Year Established1901
Employees28
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.9%
Return on Equity - YTD8.02%
Annual Interest Income$3.6MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$96.5MM$87.5MM
LoansQ4 2019vs Q4 2018$48.7MM$38.7MM
DepositsQ4 2019vs Q4 2018$84.9MM$77.4MM
Equity CapitalQ4 2019vs Q4 2018$11.1MM$9.9MM
Loan Loss AllowanceQ4 2019vs Q4 2018$462.00K$379.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$0$68.00K
Real Estate OwnedQ4 2019vs Q4 2018$209.00K$165.00K
Rates
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The First National Bank of Kemp Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--Regular Savings

The First National Bank of Kemp Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%--Money Market Account

The First National Bank of Kemp Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--Interest Checking Account

The First National Bank of Kemp CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%--36 Month CD
0.85%--24 Month CD
0.75%--18 Month CD
0.70%--12 Month CD
0.40%--6 Month CD
0.15%--3 Month CD
Locations


The First National Bank of Kemp Locations
The First National Bank Of Kemp100 South State Highway 274Kemp, TX 75143
Seven Points Branch11660 Highway 274Seven Points, TX 75143

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