🏦Bank Scorer

THE FIRST NATIONAL BANK OF MERTZON

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

Est. 1910FDIC #3,339
Satisfactory Same

Current rating · Exam: October 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.62%

Institution Profile

FDIC BankFind

Address

106 S Broadway St Ave, MERTZON, TX

County

Irion County

Established

January 1, 1910

Total Assets

$505M(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

October 21, 2024

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Oct 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$505M

Total Deposits

$427M

Net Loans

$79M

Net Income

$2M

ROA

1.62%

ROE

10.59%

Risk-Based Capital

85.81%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$468M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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