NATIONAL BANK&TRUST
LA GRANGE, TEXAS · FDIC Cert #3289
Capital & Safety Analysis
According to FDIC financial data, NATIONAL BANK&TRUST holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject NATIONAL BANK&TRUST to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
NATIONAL BANK&TRUST shows average financial health. While not alarming, its Health Score of 58/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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
NATIONAL BANK&TRUST has a Bank Health Score of C (58/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
NATIONAL BANK&TRUST holds $221M in total assets and $176M in total deposits. It is located in LA GRANGE, TEXAS (FDIC Certificate #3289).
NATIONAL BANK&TRUST has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.03%, and the return on assets is 0.23%.
Yes. NATIONAL BANK&TRUST is FDIC-insured (Certificate #3289). 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.