First Nb of Hughes Springs
Hughes Springs, Texas · FDIC Cert #3268
First Nb of Hughes Springs is an FDIC-insured bank (Certificate #3268) with $310M in total assets and $273M in total deposits as of the Q2 2024 Call Report. Headquartered in Hughes Springs, Texas, the bank maintains a Tier 1 capital ratio of 16.37% (Well-Capitalized) and a nonperforming loan ratio of 4.16%. BankHealthData assigns a composite Health Grade of B (67/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Nb of Hughes Springs (FDIC cert 3268) is a community bank — $310M in total assets, $273M in deposits, serving the Hughes Springs, Texas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 16.37% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 4.16% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is in the normal range: 22.0% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 2.82% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. First Nb of Hughes Springs carries a composite BankHealth grade of B (67/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Nb of Hughes Springs
- Total Assets
- $310M
- Total Deposits
- $273M
- Tier 1 Capital Ratio
- 16.37%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 4.16%
- Liquidity Ratio
- 22.04%
- Return on Assets
- 2.82%
- Headquarters
- Hughes Springs, Texas
- FDIC Certificate
- #3268
- Health Grade
- B (67/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Nb of Hughes Springs holds a Tier 1 capital ratio of 16.37%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Nb of Hughes Springs has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Nb of Hughes Springs shows strong financial health indicators. With $310M in assets and a Health Score of 67/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Nb of Hughes Springs Compares
First Nb of Hughes Springs’s Health Score of 67 is 7 points below the Texas state average of 74 across 321 FDIC-insured banks. Its 16.37% Tier 1 capital ratio is 2.4 points above the US banking industry average near 14%. The 4.16% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 2.82% is in line with or above the national ROA benchmark of ~1.1%. Among 1596 similarly-sized banks, the average Health Score is 69, meaning this bank ranks below its size cohort. Site-wide, First Nb of Hughes Springs is 3 points below the portfolio average of 70.
Frequently Asked Questions
First Nb of Hughes Springs has a Bank Health Score of B (67/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 16.37%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Nb of Hughes Springs's Tier 1 capital ratio of 16.37% and nonperforming loan ratio of 4.16% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Nb of Hughes Springs is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #3268). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Nb of Hughes Springs holds $310M in total assets and $273M in total deposits. It is headquartered in Hughes Springs, Texas (FDIC Certificate #3268).
First Nb of Hughes Springs has a Tier 1 capital ratio of 16.37%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 4.16%, and the return on assets is 2.82%.
Yes. First Nb of Hughes Springs is FDIC-insured (Certificate #3268). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Nb of Hughes Springs's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.