Overview / Commentary
100 South State Highway 274
Kemp, TX 75143

The First National Bank of Kemp is headquartered in Kemp and is the 362nd largest bank in the state of Texas. It is also the 4,344th largest bank in the nation. It was established in 1901 and as of September of 2018, it had grown to 25 employees at 2 locations. The First National Bank of Kemp has an A health rating.

Reviews (1)

No Loyalty To Area

Posted by: Eshe | Sep 22, 2013

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.

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

FDIC Certificate #3281
Year Established1901
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD3.81%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$88.3MM$81.4MM
LoansQ3 2018vs Q3 2017$36.4MM$34.0MM
DepositsQ3 2018vs Q3 2017$78.5MM$71.8MM
Equity CapitalQ3 2018vs Q3 2017$9.6MM$9.5MM
Loan Loss AllowanceQ3 2018vs Q3 2017$365.00K$303.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$283.00K$231.00K
Real Estate OwnedQ3 2018vs Q3 2017$165.00K$61.00K
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The First National Bank of Kemp Savings Account Rates

0.15%--Regular Savings

The First National Bank of Kemp Money Market Rates

0.20%--Money Market Account

The First National Bank of Kemp Checking Account Rates

0.15%--Interest Checking Account

The First National Bank of Kemp CD Rates

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

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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