🏦Bank Scorer

THE FIRST NATIONAL BANK OF HUGHES SPRINGS

HUGHES SPRINGS, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1903FDIC #3,268
Satisfactory Same

Current rating · Exam: January 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.37%

How this bank compares in TX

Mortgage Denial Rate

Lower denial rate than 81.8% of TX banks

Institution Profile

FDIC BankFind

Address

505 E 1st, HUGHES SPRINGS, TX

County

Cass County

Established

June 3, 1903

Total Assets

$322M(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

Satisfactory

Meets federal requirements for community lending

Exam Date

January 29, 2024

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jan 2029(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$322M

Total Deposits

$287M

Net Loans

$206M

Net Income

$2M

ROA

2.37%

ROE

22.84%

Risk-Based Capital

17.84%

Regulatory minimum: 8%

Peer Comparison

Small banks

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

Mortgage Denial Rate4.24%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

17

Branch Deposits

$285M

1-Year Change

+1

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202416580%4.24%
202314684.25%4.11%
202216482.32%3.66%
202114282.39%5.63%
202015068.67%10.00%
201915280.26%5.26%
201817978.21%10.06%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 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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