FIRST CAPITAL BANK

QUANAH, TX | Small | Est. Jan. 1, 1907, midnight | FDIC #3399 | RSSD #919568 | FED
Latest Report: 2025-12-31

FIRST CAPITAL BANK is asn small FDIC-insured commercial bank headquartered in QUANAH, TX, established in Jan. 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $116M and total deposits of $107M. Profitability stands at -0.73% ROA and -8.46% ROE, with a net interest margin of 5.05%. The bank's CET1 capital ratio is 11.25%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 5.71% and a Texas Ratio of 44.61%. FDIC Certificate #3399.

Assets

$116M

Deposits

$107M

Loans

$84M

Equity

$9M

Profitability

Return on Assets (ROA) -0.73%
Return on Equity (ROE) -8.46%
Net Interest Margin (NIM) 5.05%
Yield on Assets 6.60%
Cost of Funds 2.50%

Asset Quality

NPL Ratio 5.71%
Net Charge-Off Ratio 0.60%
Texas Ratio 44.61%
NPA Ratio 4.23%
ACL / Loans 1.88%

Capital & Liquidity

CET1 Ratio 11.25%
Tier 1 Capital 11.25%
Total Capital Ratio 12.51%
Leverage Ratio 8.78%
Loan-to-Deposit 79.28%

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