The First Bank of Celeste: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The First Bank of Celeste operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $84 million at June 30, 2026; it is based in Celeste, Texas. It funds 8.39% of its assets with Tier 1 capital, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 13.06%). On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.4%).
Loans and deposits moved in opposite directions: over the year loans rose 13.7% and deposits fell 0.5%. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.0 million equal 29% of Tier 1 capital, down from 34% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 0.8 times its capital, about triple the median of 26% for banks its size.
As of June 30, 2026, The First Bank of Celeste reported a CET1 capital ratio of 20.01%, a return on assets of 1.45%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 301 N Us Highway 69, Celeste, TX 75423
- County
- Hunt
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Former names
- The First Bank of Celeste (1986)
- Offices
- 1 domestic
- Employees (FTE)
- 13
- Domestic deposits
- $76.3M
- Allowance for credit losses
- $490K
- Net charge-offs (YTD)
- $11K
- Average total assets
- $84.0M
- Average total loans
- $31.2M
- Average interest-bearing deposits
- $45.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3133
- Fed RSSD
- 871956
- Website
- www.fbceleste.com →
- Parent Holding Company
- METROPLEX NORTH BANCSHARES, INC. (RSSD 1107492)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The First Bank of Celeste terminal
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Unlock The First Bank of Celeste, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
The First Bank of Celeste rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.01% | 1.45% | 0.00% | 0.00% | 4.01% |
| Q1 2026 | 20.10% | 1.25% | 0.00% | 0.00% | 3.77% |
| Q4 2025 | 20.38% | 1.30% | 0.00% | 0.00% | 3.89% |
| Q3 2025 | 20.57% | 1.33% | 0.00% | 0.00% | 4.01% |
| Q2 2025 | 21.17% | 1.28% | 0.00% | 0.07% | 3.79% |
| Q1 2025 | 21.29% | 1.26% | 0.00% | 0.00% | 3.70% |
| Q4 2024 | 20.18% | 1.28% | 0.00% | 0.00% | 3.89% |
| Q3 2024 | 19.67% | 1.45% | 0.00% | 0.00% | 3.97% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First Bank of Celeste | Celeste , TX | 75423 | $76.3M |
Regulatory record
What the public regulatory sources show for The First Bank of Celeste, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 389 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.0M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The First Bank of Celeste
What are The First Bank of Celeste's total assets?
As of the Q2 2026 filing, The First Bank of Celeste reported total assets of $83.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The First Bank of Celeste headquartered?
The First Bank of Celeste is headquartered in Celeste, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
Is The First Bank of Celeste FDIC-insured?
Yes. The First Bank of Celeste is an FDIC-insured commercial bank (FDIC Certificate #3133). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First Bank of Celeste?
The First Bank of Celeste's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The First Bank of Celeste's CET1 capital ratio?
The First Bank of Celeste reported a Common Equity Tier 1 (CET1) capital ratio of 20.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First Bank of Celeste operate?
The First Bank of Celeste operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First Bank of Celeste's Texas Ratio?
The First Bank of Celeste's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The First Bank of Celeste previously called?
The charter now named The First Bank of Celeste has also operated as The First Bank of Celeste (1986), per FDIC structure-change records.
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