FIRST NATIONAL BANK OF HUNTSVILLE

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

Est. 1890FDIC #3,269

Satisfactory Same

Current rating · Exam: October 2023

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.67%

How this bank compares in TX

Mortgage Denial Rate

Lower denial rate than 90.9% of TX banks

Institution Profile

FDIC BankFind

Website

www.fnbhuntsvilletx.bank

Address

1300 11th St, HUNTSVILLE, TX

County

Walker County

Established

January 1, 1890

Total Assets

$587M(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 10, 2023

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Oct 2027(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$587M

Total Deposits

$505M

Net Loans

$341M

Net Income

$2M

ROA

1.67%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.68%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

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

ROA1.67%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate3.62%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$475M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	138	90.58%	3.62%
2023	174	87.36%	5.75%
2022	213	89.2%	4.23%
2021	232	86.64%	5.60%
2020	204	87.25%	4.90%
2019	233	83.26%	7.30%
2018	223	83.86%	8.97%

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

Exam Date	Rating	Exam Type
Oct 2023	Satisfactory	Intermediate Small Bank
Aug 2020	Satisfactory	Intermediate Small Bank
May 2017	Satisfactory	Intermediate Small Bank

6 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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