The First National Bank of Hughes Springs
Hughes Springs, Texas, Cass County
$320M in total assets, the 2,410th largest of 4,309 US banks and 206th of 352 headquartered in Texas.
- FDIC certificate
- 3268
- Established
- 1903
- Owned by
- Chalybeate Springs Corp
- Primary regulator
- OCC
- Website
- WWW.FNBHS.COM
At a glance
Compared with 218 banks headquartered in Texas with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $320M | 48% | $336M | |
| Loans | $208M | 54% | $188M | |
| Deposits | $283M | 50% | $289M | |
| Return on assets | 2.09% | 83% | 1.45% | |
| Net interest margin | 6.48% | 98% | 4.20% | |
| Efficiency ratio | 64.0% | 57% | 61.4% | |
| Equity to assets | 11.17% | 55% | 10.91% | |
| Loans to deposits | 74% | 52% | 72% |
Growth
Total assets grew -0.9% a year over the last 5 years and 2.7% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Sep 2016 | Bloomburg State Bank Bloomburg, TX | $17M |
| Mar 2014 | Citizens State Bank Tenaha, TX | $37M |
| Aug 1999 | The First National Bank of Jefferson Jefferson, TX | $34M |
| Jan 1994 | The First National Bank of Atlanta Atlanta, TX | $40M |
| Dec 1990 | The State Bank of Omaha, Texas Omaha, TX | $21M |
| Mar 1990 | Liberty City State Bank Liberty City, TX | $15M |
Where they operate
17 branches in 10 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Cass County, TX | $109M | 28.2% | 2 of 7 |
| Falls County, TX | $40M | 14.1% | 4 of 7 |
| Gregg County, TX | $22M | 0.5% | 19 of 23 |
| Marion County, TX | $22M | 17.8% | 2 of 3 |
| Shelby County, TX | $22M | 3.4% | 6 of 8 |
| Morris County, TX | $21M | 7.1% | 4 of 5 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 4 branches since 2016 (13 to 17, +30.8%). 4 opened, 1 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 13 | |||
| 2016 | Acquired Bloomburg State Bank | 1 | 0 | +1 | 14 |
| 2017 | Opened 3 in Texas | 3 | 0 | +3 | 17 |
| 2020 | Closed Queen City | 0 | 1 | −1 | 16 |
| 2025 | Opened Marshall | 1 | 0 | +1 | 17 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 34% | 27% | |
| Commercial real estate | 17% | 28% | |
| Business (C&I) | 14% | 14% | |
| Farmland | 13% | 7% | |
| Consumer | 6% | 5% | |
| Agricultural | 6% | 5% | |
| Multifamily | 5% | 2% | |
| Construction and land | 4% | 11% | |
| Other | 2% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Noninterest-bearing | 57% | 29% | |
| Other interest-bearing | 34% | 41% | |
| Time deposits | 9% | 29% |
Brokered deposits are 0.0% of deposits (peers 1.9%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 2.23% | 0.30% |
| Net charge-offs, annualized | 0.03% | 0.01% |
| Reserves to loans | 1.34% | 1.23% |
| Leverage ratio | 11.04% | 11.63% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Cass County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/first-national-bank-hughes-springs-tx