FIRST NB OF MERTZON
MERTZON, TEXAS · FDIC Cert #3339
Capital & Safety Analysis
According to FDIC financial data, FIRST NB OF MERTZON holds a Tier 1 capital ratio of 75.85%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning FIRST NB OF MERTZON has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
FIRST NB OF MERTZON shows strong financial health indicators. With $506M in assets and a Health Score of 99/100, 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.
Frequently Asked Questions
FIRST NB OF MERTZON has a Bank Health Score of A (99/100). It holds a Tier 1 capital ratio of 75.85%, 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.
FIRST NB OF MERTZON holds $506M in total assets and $444M in total deposits. It is located in MERTZON, TEXAS (FDIC Certificate #3339).
FIRST NB OF MERTZON has a Tier 1 capital ratio of 75.85%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.09%, and the return on assets is 2.60%.
Yes. FIRST NB OF MERTZON is FDIC-insured (Certificate #3339). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.