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The First National Bank of Hughes Springs

Hughes Springs, TexasFDIC Cert #3268

OCCEstablished 190317 branches

Holding company: CHALYBEATE SPRINGS CORPRegulator: OCC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
2.38%
−37.7%y/y
Peer standing6th percentile
Peer standing in asset:300m_1b
FDICP3ASSET + LNLSGR
90+ %
1.62%
+236.6%y/y
Peer standing1st percentile
Peer standing in asset:300m_1b
FDICP9ASSET + LNLSGR
Nonaccrual %
0.51%
−60.7%y/y
Peer standing39th percentile
Peer standing in asset:300m_1b
FDICNAASSET + LNLSGR
Noncurrent %
2.13%
+19.1%y/y
Peer standing10th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
1.91%
+45.9%y/y
Peer standing7th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$6.13M
+47.4%y/y
Peer standing17th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.22%
+247.6%y/y
Peer standing10th percentile
Peer standing in asset:300m_1b
FDICNTLNLS + LNLSGR
NCO
$119K
+243.4%y/y
Peer standing13th percentile
Peer standing in asset:300m_1b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.39%
+22.8%y/y
Percentile by value72nd percentileby value
Peer standing in asset:300m_1b
FDICLNATRES + LNLSGR
30–89
$4.98M
−44.1%y/y
Peer standing17th percentile
Peer standing in asset:300m_1b
FDICP3ASSET
90+
$3.37M
+201.9%y/y
Peer standing2nd percentile
Peer standing in asset:300m_1b
FDICP9ASSET
Nonaccrual
$1.07M
−64.8%y/y
Peer standing51st percentile
Peer standing in asset:300m_1b
FDICNAASSET