MonitorBankRates
☰
  1. Home›
  2. Banks›
  3. FNB of Hughes Springs
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

FNB of Hughes Springs Rates & Review November 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: November 9, 2026

FNB of Hughes Springs rates are not currently in the MonitorBankRates database, but you can compare rates from other banks and credit unions MonitorBankRates tracks, including 12-month CD rates at 1.30%, 6-month CD rates at 3.80% and 3-month CD rates at 3.60%. Deposit rates include 0.65% on savings, 0.75% on money market accounts and 0.10% on checking. Loan rates include 7.00% on HELOCs, 8.30% on auto loans and 8.24% on personal loans. Credit card rates can be found at 10.99%. These rates come from our rate database, not FNB of Hughes Springs, and you can see how they compare in the FNB of Hughes Springs rate tables below. MonitorBankRates evaluates the financial stability of FNB of Hughes Springs with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.16%. Database rates last updated and verified on 11/09/2026.

FNB of Hughes Springs money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at FNB of Hughes Springs? Share your experience about FNB of Hughes Springs by leaving a review below, or read customer reviews before you decide to use FNB of Hughes Springs.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A-
Very Good Health Score: 93/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
14.16%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
FNB of Hughes Springs
505 E 1st
Hughes Springs, TX 75656
https://WWW.FNBHS.COM
MemberFDIC
Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Current Rate Availability

We're not currently displaying rates for FNB of Hughes Springs, but our database is updated constantly, so check back soon for the latest offers.

Are you with FNB of Hughes Springs? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Financial Health History

FNB of Hughes Springs’s Texas Ratio rose from 11.47% in Q3 2023 to 14.16% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 9% 2.0★ 18% 3.0★ 27% 4.0★ 35% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 11.47% A Q3 2023 A Q4 2023 B- Q1 2024 C+ Q2 2024 B Q3 2024 A Q4 2024 A Q1 2025 A- Q2 2025 A- Q3 2025 A Q4 2025 B+ Q1 2026 14.16% A- Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$320M14.16%5.0A-
March 31, 2026$322M17.98%4.8B+
December 31, 2025$316M12.97%5.0A
September 30, 2025$315M16.40%4.9A-
June 30, 2025$321M16.83%4.9A-
March 31, 2025$318M12.40%5.0A
December 31, 2024$303M12.36%5.0A
September 30, 2024$302M20.84%4.5B
June 30, 2024$310M26.18%4.1C+
March 31, 2024$325M22.62%4.4B-
December 31, 2023$319M6.32%5.0A
September 30, 2023$319M11.47%5.0A
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for FNB of Hughes Springs is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather FNB of Hughes Springs rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with FNB of Hughes Springs's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name FNB of Hughes Springs
Website https://WWW.FNBHS.COM
Address 505 E 1st, Hughes Springs, TX 75656  ·  Cass
Bank Holding Company CHALYBEATE SPRINGS CORP
FDIC Certificate # 3268
Regulator OCC
Established June 3, 1903
FDIC Insurance Date January 1, 1934
Domestic Offices 17
Total Branches 17
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A- (93/100)
Texas Ratio
14.16%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
2.1836%
Return on Equity (ROE)
20.5100%
Non-Performing Loans Ratio (NPL)
1.46%
Total Assets
$319,529,000
Total Deposits
$283,124,000
Equity Capital
$35,676,000
Net Income
$3,485,000
Headquarters
Hughes Springs
Total Branches and Offices
17
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

FNB of Hughes Springs earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/the-first-national-bank-of-hughes-springs-rates-review-3268">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for FNB of Hughes Springs yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for FNB of Hughes Springs
Your Name:
Your Rating:

Frequently Asked Questions About FNB of Hughes Springs

How many branches does FNB of Hughes Springs operate?

FNB of Hughes Springs currently maintains approximately 17 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, FNB of Hughes Springs does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, FNB of Hughes Springs provides members with tools to manage their accounts and build a solid financial history.

Does FNB of Hughes Springs offer online and mobile banking?

Most modern institutions like FNB of Hughes Springs provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://WWW.FNBHS.COM.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do FNB of Hughes Springs rates compare?

FNB of Hughes Springs rates aren't in the MonitorBankRates database yet. Other banks and credit unions MonitorBankRates tracks offer 12-month CDs at 1.30% APY, 6-month CDs at 3.80% APY, savings at 0.65% APY, money market at 0.75% APY, checking at 0.10% APY, HELOCs around 7.00%, auto loans at 8.30% APR, personal loans at 8.24% APR and credit cards at 10.99% APR.

Compare to Other Banks

Bank of 1889 Bank of Eufaula American Nation Bank Ardmore, OK Bank of Oak Ridge NC Southern Bancorp Bank Redneck Bank, div of All America Bank San Luis Valley Federal Bank FirstBank Southwest Buckeye State Bank Bank of St. Francisville Liberty Capital Bank Madison County Community Bank Ameriprise Financial FNB of Louisburg Origin Bank TSB Teutopolis State Bank CNB of Taylor FNB in Tigerton The Bank of Bennington Sawyer Savings Bank Glenwood State Bank (Incorporated)