NEWFIRST NATIONAL BANK

EL CAMPO, TX | Medium | Est. Jan. 1, 1902, midnight | FDIC #3183 | RSSD #938859 | OCC
Latest Report: 2025-12-31

NEWFIRST NATIONAL BANK is amn medium FDIC-insured commercial bank headquartered in EL CAMPO, TX, established in Jan. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $944M and total deposits of $824M. Profitability stands at 3.58% ROA and 30.24% ROE, with a net interest margin of 5.49%. The bank's CET1 capital ratio is 11.71%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.35% and a Texas Ratio of 2.04%. FDIC Certificate #3183.

Assets

$944M

Deposits

$824M

Loans

$691M

Equity

$111M

Profitability

Return on Assets (ROA) 3.58%
Return on Equity (ROE) 30.24%
Net Interest Margin (NIM) 5.49%
Yield on Assets 6.89%
Cost of Funds 1.48%

Asset Quality

NPL Ratio 0.35%
Net Charge-Off Ratio -0.09%
Texas Ratio 2.04%
NPA Ratio 0.26%
ACL / Loans 1.40%

Capital & Liquidity

CET1 Ratio 11.71%
Tier 1 Capital 11.71%
Total Capital Ratio 12.30%
Leverage Ratio 12.06%
Loan-to-Deposit 83.85%

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