The First National Bank of Shiner

Overview / Commentary

www.fnbshiner.com

361-594-3317

103 West 7th Street
Shiner, TX 77984

The First National Bank of Shiner is headquartered in Shiner and is the 104^th largest bank in the state of Texas. It is also the 1,113^th largest bank in the nation. It was established in 1900 and as of June of 2022, it had grown to 59 employees at 5 locations. The First National Bank of Shiner's CD rates are 23% higher than the national average, but it has a D health rating.

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Health

Data as of Q2 2022

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Health Grade Components

Overall
FDIC Certificate #	5529
Year Established	1900
Employees	59
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.63%
Return on Equity - YTD	30.4%
Annual Interest Income	$14.1MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$867.9MM$1.00B
Loans	Q2 2022vs Q2 2021	$138.6MM$142.3MM
Deposits	Q2 2022vs Q2 2021	$882.4MM$870.7MM
Equity Capital	Q2 2022vs Q2 2021	($18,475,000)$122.9MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$2.8MM$2.5MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$947.00K$1.1MM
Real Estate Owned	Q2 2022vs Q2 2021	$0$0

Rates

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Savings
Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The First National Bank of Shiner Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.50%	-	-	IRA Account
0.43%	-	-	Savings Account
0.43%^*	$10k^*	-	Health Savings Account
OTHER TIERS: 0.15% → Up to $5k \| 0.33% → $5k - $10k

The First National Bank of Shiner Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%^*	$250k^*	-	Money Market
OTHER TIERS: 0.15% → $1k - $25k \| 0.20% → $25k - $50k \| 0.25% → $50k - $100k \| 0.35% → $100k - $250k

The First National Bank of Shiner Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	-	-	NOW Account

The First National Bank of Shiner CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$1k	-	11 Month CD Special
4.00%	$100k	-	11 Month Jumbo CD Special
1.21%	$100k	-	24 Month Jumbo CD
1.21%	$100k	-	36 Month Jumbo CD
1.21%	$100k	-	48 Month Jumbo CD
1.21%	$100k	-	60 Month Jumbo CD
1.16%	$100k	-	18 Month Jumbo CD
1.11%	$1k	-	24 Month CD
1.11%	$1k	-	36 Month CD
1.11%	$1k	-	48 Month CD
1.11%	$1k	-	60 Month CD
1.11%	$100k	-	12 Month Jumbo CD
1.06%	$1k	-	18 Month CD
1.00%	$1k	-	12 Month CD
0.70%	$100k	-	6 Month Jumbo CD
0.60%	$1k	-	6 Month CD
0.60%	$100k	-	3 Month Jumbo CD
0.50%	$1k	-	3 Month CD

Locations

The First National Bank of Shiner Locations
The First National Bank Of Shiner	103 W 7th St	Shiner, TX 77984
Flatonia Branch	114 N Lagrange St	Flatonia, TX 78941
Cuero Branch	1800 N Esplanade	Cuero, TX 77954
Gonzales National Bank	1622 E. Sarah Dewitt Drive	Gonzales, TX 78629
Goliad Branch	1402 Us Hwy 59 N	Goliad, TX 77963

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