🏦Bank Scorer

FIRST NATIONAL BANK OF BOSQUE COUNTY

VALLEY MILLS, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1908FDIC #5,564
Outstanding Up

Current rating · Exam: August 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 2.03%

Institution Profile

FDIC BankFind

Address

418 E Avenue C, VALLEY MILLS, TX

County

Bosque County

Established

August 1, 1908

Total Assets

$186M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

August 18, 2025

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Aug 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$186M

Total Deposits

$163M

Net Loans

$131M

Net Income

$952K

ROA

2.03%

ROE

16.76%

Risk-Based Capital

20.15%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate6.98%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$152M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20244386.05%6.98%
20235882.76%6.90%
20226683.33%12.12%
20217879.49%16.67%
20207982.28%7.59%
20197775.32%12.99%
20185782.46%7.02%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

7 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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