BanksFIRST CAPITAL BANK

FIRST CAPITAL BANK

QUANAH, TXSmallEst. Jan. 1, 1907, midnightFDIC #3399RSSD #919568FED
Latest · 2025-12-31

FIRST CAPITAL BANK is an 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%. CET1 capital ratio: 11.25%, well above regulatory minimums. NPL ratio: 5.71% · Texas Ratio: 44.61%. Operates 2 domestic branches.

Assets
$116M
Deposits
$107M
Loans
$84M
Equity
$9M

Profitability

Return on Assets (ROA)-0.73%
Return on Equity (ROE)-8.46%
Net Interest Margin5.05%
Yield on Assets6.60%
Cost of Funds1.56%

Asset Quality

NPL Ratio5.71%
Net Charge-Off Ratio0.60%
Texas Ratio44.61%
NPA Ratio4.23%
ACL / Loans1.88%

Capital & Liquidity

CET1 Ratio11.25%
Tier 1 Capital11.25%
Total Capital Ratio12.51%
Leverage Ratio8.78%
Loan-to-Deposit79.28%

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