🏦Bank Scorer

FIRST NATIONAL BANK OF DUBLIN

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

Est. 1985FDIC #26,228
Satisfactory Same

Current rating · Exam: November 2024

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 2.38%

Is this bank safe?

FIRST NATIONAL BANK OF DUBLIN holds a Satisfactory CRA rating (2024), is financially strong (ROA +2.38%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

825 N Patrick St, DUBLIN, TX

County

Erath County

Established

May 7, 1985

Total Assets

$133M(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

November 18, 2024

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
Estimated next exam:Nov 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$133M

Total Deposits

$117M

Net Loans

$94M

Net Income

$794K

ROA

2.38%

Above avg for Small banks. Peer avg: 0.44%

ROE

19.28%

Risk-Based Capital

17.90%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

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

ROA2.38%Peer avg: 0.44%▲ Above avg
Risk-Based Capital17.90%Peer avg: 23.03%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$116M

1-Year Change

0

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Nov 2024SatisfactorySmall Bank
Jun 2020SatisfactorySmall Bank
Nov 2015SatisfactorySmall Bank

5 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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