BanksFIRST NATIONAL BANK

FIRST NATIONAL BANK

WICHITA FALLS, TXLargeRSSD #375566
Latest · 2025-12-31

FIRST NATIONAL BANK is an FDIC-insured commercial bank headquartered in WICHITA FALLS, TX. As of 2025-12-31, the bank reported total assets of $1.2B and total deposits of $1.0B. Profitability stands at 0.85% ROA and 8.41% ROE, with a net interest margin of 3.31%. CET1 capital ratio: 13.64%, well above regulatory minimums. NPL ratio: 0.15% · Texas Ratio: 1.24%. Operates 7 domestic branches.

Assets
$1.2B
Deposits
$1.0B
Loans
$984M
Equity
$106M

Profitability

Return on Assets (ROA)0.85%
Return on Equity (ROE)8.41%
Net Interest Margin3.31%
Yield on Assets5.99%
Cost of Funds2.79%

Asset Quality

NPL Ratio0.15%
Net Charge-Off Ratio0.04%
Texas Ratio1.24%
NPA Ratio0.12%
ACL / Loans1.08%

Capital & Liquidity

CET1 Ratio13.64%
Tier 1 Capital13.64%
Total Capital Ratio14.89%
Leverage Ratio8.34%
Loan-to-Deposit95.12%

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